vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
of closed accounts listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they maintain. As per the FCRA, any account that has been closed and shows a zero balance or has been marked as paid in full may be removed if it no longer reflects an accurate representation of my current financial status.

I request that the following closed accounts be reviewed and removed from my credit report : [ Account 1 XXXX XXXX [ Account 2 XXXX XXXX XXXX XXXX XXXX Please review my request and remove these accounts accordingly. If you require any additional information or documentation, I am happy to provide it. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Company Name : XXXX XXXX XXXX  - XXXX # : XXXX - Balance : {$430.00} Company Name : XXXX XXXX - Acccount # : XXXX - Balance : {$8500.00} Company Name : XXXX XXXX - XXXX # : XXXX - Balance : {$9100.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.

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 2025-03-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: NC

Complaint narrative:
Contacted Freedom Debt Relief to help negotiate terms with creditors. Company representative stated Freedom Debt Relief would negotiate settlements on my behalf. Entered into agreement XX/XX/XXXX. XXXX XXXX  monthly. At time of this writing XX/XX/XXXX only XXXX account has been negotiated. I am paying in good faith. Each time I sign into my account it keeps putting out next negation approx XXXX months into the future. No completion date predicted. Original completion date was approx XXXX years. A large portion of my monthly fee is collected by Freedom debt relief leaving little to no money left to negotiate with my creditors. Despite multiple calls to this company along with a complaint to the better busines Bureau nothing has been done. I have sent XXXX settlement offers from creditors sent to me while freedoms debt relief has told me none of my creditors are yet willing to settle. I have shared these settlements with freedom debt relief but nothing has been done except placed in my file I can not get a representative to return my calls. They have misrepresented their service. My credit has suffered significant damage as to prior to entering into an agreement I had not missed payments to my creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2025, I personally drafted and submitted a dispute letter to TransUnion regarding an inaccuracy in my credit report that is negatively impacting me. To verify my identity, I enclosed XXXX forms of identification along with the letter. 

However, rather than addressing the issue, TransUnion employed delay tactics, claiming they believed the letter was not from me on XX/XX/2025 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: AR

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NY

Complaint narrative:
I purchased clear aligners from XXXX XXXX XXXX XXXX XXXX  ), on a payment plan which was financed by XXXX XXXX XXXX ( XXXX ). The costs were {$1700.00} cost of goods, which came to a total of {$2400.00} after the cost of credit. 

The service level agreement between myself and XXXX included guarantees for service, including the success of treatment, lifetime adjustments, and a retainer, for which I paid in advance, under the " Lifetime XXXX Guarantee. '' The treatment itself failed, however they maintained that with a lifetime guarantee I am eligible to receive XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I followed all parts of the policy to remain eligible, including wearing thXXXX XXXX  as prescribed and requesting touch ups in 6 month intervals. 

XXXX filed for XXXX XXXX bankruptcy on XX/XX/year>. Given that XXXX is defunct, and the failure of their treatment, XXXX is no longer position to fulfill their obligations for ongoing treatment through our contract, and is in direct violation of our agreement. However, they continued to charge my account. 

To this date, I have made {$1700.00} in payments, {$38.00} over the principal amount. I ceased further payment through my credit card, and XXXX declined 4 attempts to negotiate and settle the account, given that I had paid over the principal amount. 

They then wrongly sold this account to a collections agency TekCollect which has negatively impacted my credit. TekCollect simply sent my service agreement to me on request that the debt be validated. They have not made any further communications with me, or acknowledged the failure of XXXX to uphold their end of the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Bank decided to close my credit card account and my checking account without giving me any kind of notice. I called the checkings account department, the credit card account department, and they sent me no information. They said they have no information in the file. On XX/XX/year>, I walk in at XXXX XXXX XXXX XXXX, change my PIN, and deposit {$600.00} and the lady did not mention anything. On Monday, the XXXX, I was already overseas just to find out that they had closed my account and I have no information because I'm paperless. I have to book a flight. I have to call them and they wouldn't give me an answer. On the XXXX, I was already back in XXXX asking to speak with the manager who did not have any information, went into the system, and had no letter. She had to call the Department of Customer Service and they said that they will send me a notice after that day.if I wouldnt have come here on theXXXX I would have been making late payment on my credit card, They would have ruined my credit score. I have NEVER make no late payments nor overdrafts any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am filing this formal complaint against National Credit Adjust XXXX XXXX XXXX XXXX for failing to comply with federal law regarding an unauthorized fraudulent account that was opened in my name due to identity theft. 

Despite my submission of a valid FTC Identity Theft Report, government-issued identification, and proof of residency, National Credit Adjust has failed to remove the fraudulent account from my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ), XXXXXXXX XXXX XXXXXXXX. 

Details of the Fraudulent Account Creditor : National Credit Adjust XXXX XXXX XXXX XXXX Account Number : XXXX Fraudulent Amount : {$1500.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX I never opened this account or authorized any transactions related to it. This account was fraudulently created by an identity thief and should be permanently removed from my credit report under FCRA Section XXXX. 


FCRA Violations by National Credit Adjust XXXX. Failure to Remove Fraudulent Account : Under FCRA XXXX ( a ), a credit bureau must block and remove a fraudulent account once a consumer submits an Identity Theft Report and supporting documentation. 
XXXX. Illegal Reporting to Credit Bureaus : National Credit Adjust continues to report fraudulent information, harming my credit standing, despite clear evidence of identity theft. 
XXXX. Lack of Proper Investigation : Under FCRA XXXX, they are required to conduct a reasonable investigation within XXXX days, which they have failed to do. 
XXXX. Potential Violations of FDCPA : If National Credit Adjust is attempting to collect on this fraudulent debt, they are in violation of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, which prohibits false or misleading representation of a debt. 



Final Notice & Legal Consequences If this fraudulent account is not immediately removed, I will take the following actions : File a formal lawsuit against National Credit Adjust under the FCRA and FDCPA. 
Seek damages for financial harm caused by their negligence. 
File additional regulatory complaints with the FTC and Texas Attorney General. 

I expect an urgent response and full resolution within XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Complaint Against XXXX for Violations of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to formally lodge a complaint against XXXX XXXX Assistance regarding ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ), as detailed in complaint number # XXXX filed on XX/XX/year>. Despite my provision of substantial documentationincluding an FTC Identity Theft Affidavit, police report, government-issued identification, and extensive correspondenceInnovis has : * Reinserted previously deleted fraudulent accounts ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX without the mandatory written notification required under FCRA XXXX ( a ) ( XXXX ) ( B ). 
* Failed to block fraudulent accounts ( XXXX XXXX XXXX, XXXX XXXX ) as required under FCRA XXXX, despite clear proof of identity theft. 
* Provided false or unsupported verification claims, breaching FCRA XXXX ( a ) ( XXXX ). 
XXXX 's ongoing violations mirror the deceptive practices identified in previous complaints involving XXXX, Experian, and XXXX, indicating industry-wide negligence and noncompliance. 
Requested Actions by CFPB : * Immediate Enforcement Action : Require XXXX to comply with FCRA by removing and permanently blocking fraudulent accounts. 
* Verification Transparency : Mandate XXXX to produce documented evidence of their verification process or compel immediate removal of all unverified disputed accounts. 
* Investigation and Sanctions : Investigate XXXX 's compliance with FCRA requirements and impose monetary penalties for repeated noncompliance. 
These violations have inflicted substantial financial harm, emotional distress, and damage to my creditworthiness and reputation. 
Thank you for your prompt attention to this critical matter. 
Respectfully submitted, XXXX XXXX Complaint Reference Number : 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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