vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
I am disputing the collection status on my XXXX XXXX XXXX account, which has been incorrectly reported as " Collection/Chargeoff '' despite the fact that the balance has been paid. 

On XX/XX/year>, I made a payment to the XXXX XXXX XXXX XXXX via my tax refund, and additional payments were made from my XXXX. I have supporting documentation from the IRS confirming the payment was processed through my tax refund. The payments were made in full, yet the account has been inaccurately marked as delinquent and sent to collection. 

I am requesting that the XXXX credit bureaus ( TransUnion, Experian, and Equifax ) update the account status to reflect the accurate informationpaid in fulland remove the collection status from my credit report. The account number for reference is XXXX. 

I have also contacted the companies directly regarding this issue but have not yet received a satisfactory resolution. 

I am requesting immediate removal of this erroneous information from my credit report as it does not reflect my actual payment history, and it is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the collection status on my XXXX XXXX XXXX account, which has been incorrectly reported as " Collection/Chargeoff '' despite the fact that the balance has been paid. 

On XX/XX/year>, I made a payment to the XXXX XXXX XXXX XXXX via my tax refund, and additional payments were made from my XXXX. I have supporting documentation from the IRS confirming the payment was processed through my tax refund. The payments were made in full, yet the account has been inaccurately marked as delinquent and sent to collection. 

I am requesting that the XXXX credit bureaus ( TransUnion, Experian, and Equifax ) update the account status to reflect the accurate informationpaid in fulland remove the collection status from my credit report. The account number for reference is XXXX. 

I have also contacted the companies directly regarding this issue but have not yet received a satisfactory resolution. 

I am requesting immediate removal of this erroneous information from my credit report as it does not reflect my actual payment history, and it is negatively impacting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, NJ XXXX SSN : XXXX Phone : XXXX Email : XXXX Date : XX/XX/2025 To : Equifax XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute of Unauthorized Information on My Credit Report & Reference to CFPB Complaint Against Equifax Dear Equifax Representative, I am writing to formally dispute the presence of unauthorized information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). I respectfully request that you conduct a prompt and thorough investigation into these entries and remove any unauthorized information from my credit file. 

To underscore my concerns, I would like to draw your attention to key excerpts from the official complaint filed by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies, including Equifax. These excerpts highlight serious issues related to the reporting practices that affect consumer rights : Exhibit A : Key Excerpts from the CFPBs Official Complaint Against Equifax Inadequate Procedures : " Equifaxs failure to implement and maintain reasonable procedures to ensure the maximum possible accuracy of consumer information has led to the widespread reporting of unauthorized and inaccurate data. '' [ CFPB Complaint, Section on Accuracy Requirements ] Systematic Reporting Issues : " The practices employed by Equifax have resulted in systemic inaccuracies that adversely affect consumers ability to access credit and obtain fair treatment under the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts and inquiries are in violation not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, I noticed that my XXXX XXXX XXXX account was reported as a collection/chargeoff, despite the balance being paid through my tax refund and additional payments from my XXXX. The account has been listed as overdue for several months without my knowledge, and I was never notified of the late status. IRS documentation verifies that the owed balance was cleared with my tax refund. However, the account continues to be listed as a collection with a status of 'late 120 days ' despite the payment being made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, I noticed that my XXXX XXXX XXXX account was reported as a collection/chargeoff, despite the balance being paid through my tax refund and additional payments from my LES. The account has been listed as overdue for several months without my knowledge, and I was never notified of the late status. IRS documentation verifies that the owed balance was cleared with my tax refund. However, the account continues to be listed as a collection with a status of 'late 120 days ' despite the payment being made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

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.

I am filing this FTC Identity Theft Affidavit to report 4 fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal loan opened at XXXX XXXX on XXXX under the account number XXXX, a personal loan opened at XXXX XXXX on XXXX under the account number XXXX, a collection opened at XXXX. XXXX, XXXX on XXXX under the account number XXXX, and a collection opened at XXXX XXXX XXXX on XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
It was a refund check of {$1600.00} and a deposit of {$290.00} dollars and chime refuses to send me the check and closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
I applied for Barclays XXXX XXXX aviator credit card on XX/XX/year>. My application was approved immediately. However, I got XXXX credit cards from Barclays with two different credit card numbers despite me submitting one application. Barclays is also reporting to my credit bureaus that I opened two credit cards on XX/XX/year>. This is not acceptable and is affecting my credit score. 
This is an error on the part of Barclays Bank and not my fault at all that they sent me XXXX credit cards for a single application. 
I contacted the bank many times to rectify this issue of opening duplicate credit card account. They keep saying that they will fix it. It's been XXXX weeks and they still haven't rectified their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DCI Credit Services, Inc.
State: ND

Complaint narrative:
I was received a court order saying that DCI credXXXX was going to garnish my paycheck from an old employer. Once I received this ONE TIME letter, I requested a breakdown of what was owed, after I finally received that breakdown, they apparently already went to court. Without notifying me of a court date or anything By the time I received that letter of the breakdown of charges I owed, DCI credit services COMPLETELY drained my account. Took all the money I had for bills and left me {$0.00} for food or basic needs. Im about to be homeless over this. Im going to lose everything, if I dont die of starvation or off myself due to horrible XXXX  thoughts over this situation, as I already suffer from XXXX and can not live on the streets. I dont get paid for awhile and they left me XXXX XXXX for food, water, or basic needs. I am a human being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MI

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX - XXXX XX/XX/year> with a balance of {$1200.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint XXXX XXXXXXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am disputing incorrect and inaccurate information in my LexisNexis consumer report. The report contains several erroneous items, including attaching my ex-wife 's driving records and insurance problems to my name, despite me not being aware of these issues or being part of her insurance policy. Additionally, there is a record of me supposedly using XXXX, but I have never used their services in my life. There are numerous other incorrect and misleading data points in my report, which are damaging my credit and personal reputation. Specifically, XXXX cited the following inaccurate credit factors when quoting me : Average number of months trades on file too short Time since most recent delinquency too recent Time since oldest trade opened too recent Too many non-credit card inquiries None of these are accurate in my case, and I have never been properly informed about the negative impact these items have had on my credit report or pricing. I have tried contacting LexisNexis to correct these issues, but they have not taken any action. I request that all inaccurate and irrelevant information be permanently removed from my consumer report, and that XXXX review and correct its records based on false assumptions regarding my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
I have discovered unauthorized accounts and inquires on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me and seek resolution. 
ACCOUNTS XXXX XXXX {$630.00} XXXX  {$1100.00} XXXX XXXX {$520.00} XXXX  FIN XXXX {$1100.00} XXXX  XXXX {$3200.00} XXXX  FIN XXXX {$500.00} XXXX  XXXX {$1900.00} INQUIRIES XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX COAF XX/XX/XXXX XXXX  XXXX XXXX  FIN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquires on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me and seek resolution. 
ACCOUNTS XXXX XXXX {$630.00} XXXX  {$1100.00} XXXX XXXX {$520.00} XXXX  FIN XXXX {$1100.00} XXXX  XXXX {$3200.00} XXXX  FIN XXXX {$500.00} XXXX  XXXX {$1900.00} INQUIRIES XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX COAF XX/XX/XXXX XXXX  XXXX XXXX  FIN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
The information on my credit report is inaccurate. I've provided my documents for you to update it.

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