vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear Equifax Information Services LLC I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report XXXX XXXX copy of identification I am requesting that you delete and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are : 1- XXXX XXXX XXXX XXXX XXXX 2- XXXX XXXX XXXX  3- XXXX XXXX XXXXXXXX 4- XXXX XXXX XXXX 5- XXXX XXXXXXXX XXXX XXXXXXXX 6- XXXX XXXX XXXX Unauthorized Inquiries 1- XXXX XXXX XXXX XXXXXXXX 2- XXXX XXXX XXXX 3XXXX XXXX XXXX XXXX 4- XXXX XXXX 5- XXXX XXXX XXXX 6XXXX XXXX XXXX XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B.

Thank you for your prompt attention to this matter.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Account National Credit System # XXXX *. I'm unaware of this debt and have not had the opportunity to dispute this account. If you believe you have sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account XXXX * as soon as possible from my report or i will have to take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 non-monetary relief
Consumer complaint received 2025-05-21 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX and XXXX XXXX regarding inaccurate and misleading information being reported to XXXX and Equifax in connection with a debt I previously settled. 

On XX/XX/XXXX XXXX I reached a settlement agreement with XXXX XXXX XXXX for the account originally held by XXXX XXXX. The terms of the settlement were fulfilled, and the account was resolved accordingly. However, rather than updating the account to reflect the settlement or removing it entirely from my credit report, XXXX XXXX XXXX and XXXX have : * Updated the account status to " charge-off '' * Reported an incorrect remaining balance, which does not reflect the settled status * Continued to report this inaccurate information to XXXX and Equifax, despite being notified of the error It is important to note that XXXX has correctly updated this account to reflect its settled status, demonstrating that XXXX XXXX is capable of reporting accurate information but is choosing not to do so with XXXX and Equifax. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information report accurate and complete information. 

I am requesting the CFPB to investigate this matter and compel XXXX XXXX and XXXX XXXX XXXX to : 1. Correct the account status with XXXX to reflect that the account was settled in full for less than the full balance, and 2. Update the balance to show {$0.00} or the correct settled balance, in accordance with the settlement terms. 

I have attached supporting documentation, including proof of settlement and credit report excerpts, for your review. 

Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am disputing a late payment ( 30 days past due ) reported by XXXX XXXX on my credit report. The derogatory mark appears to be factually inaccurate based on my own records. I reviewed the full payment history and did not find evidence supporting the claim that I was late for the billing cycle in question. 

On XX/XX/year>, I submitted formal dispute letters to all three major credit bureaus ( Equifax, Experian, and TransUnion ) under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( a ) and 609 ( c ) ( 2 ) ( E ). I requested a reinvestigation and correction or deletion of this item in accordance with Metro 2 compliance guidelines.

I also requested that the credit bureaus apply Metro 2 dispute coding : Compliance Condition Code XXXX XXXX XXXX  consumer disputes account directly ) Verification of the Date of First Delinquency ( Field XXXX ) Consumer Information Indicator ( Field XXXX ) : Properly mark as " under investigation '' As of today, I have not received a resolution or sufficient verification from the data furnisher. If the item can not be verified within the legally required timeframe, it must be deleted from my credit 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 2025-05-21 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:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
I have never received any debt validation to my address, I have never received any phone calls from them confirming I have an agreement or contract with them showing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have never received any debt validation to my address, I have never received any phone calls from them confirming I have an agreement or contract with them showing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Re : Failure to Process Dispute FCRA Violation Notification To Whom It May Concern, I am writing regarding the recent notification sent by Experian stating that a request concerning my credit file was not initiated by me, and therefore no action would be taken. This response is not only inadequate, but also a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and constitutes a clear stall tactic to avoid reinvestigation of inaccurate information.

Under 15 U.S. Code 1681i ( a ), the credit reporting agency must reinvestigate any disputed information on a consumer report within 30 days, regardless of whether the dispute was submitted by the consumer directly or via an authorized method. By refusing to investigate, you are failing to uphold your statutory obligations. 
Furthermore, 15 U.S. Code 1681i ( a ) ( 2 ) requires that Experian notify the furnisher of the disputed information within five business days of receiving a dispute. Failure to do so is another breach of compliance.

Additionally, I have a right to accurate and fair reporting as outlined in 15 U.S. Code 1681e ( b ), which requires that Experian follow reasonable procedures to assure maximum possible accuracy. Your blanket denial to act on a disputewithout proper verification or investigationis unreasonable and non-compliant with this section.

Let me be clear : I am the consumer.

I have the right to dispute any information on my file. 
You are required to reinvestigate. 
Your refusal is not only a stall tactic, but a blatant violation of federal law. 
You are now on notice. If I do not receive confirmation that my dispute has been properly processed and reinvestigated within 15 days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue any remedies available to me under 15 U.S. Code 1681n and 1681o, including damages for noncompliance. 
This is my formal demand that you immediately process and reinvestigate my dispute as required by law. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
This account was charged off on the following XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX, I filed a dispute through Chase Bank regarding a charge made by the company XXXX for a cancellation fee. This charge was processed even though I canceled the service because XXXX failed to meet the terms of the agreement. I submitted a written cancellation letter and have proof that I requested the cancellation in accordance with the agreed terms. 

However, Chase closed the investigation and determined that the charge was valid, without properly considering the evidence I provided or thoroughly investigating the facts. I am concerned about the lack of proper analysis in this case, as I believe my claim was not fairly reviewed. As a result, I am being forced to pay for a service that I canceled properly and in a timely manner.

I am submitting this complaint to request that the CFPB review Chase Banks handling of this case. I believe the dispute resolution process was neither transparent nor fair, and did not protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
This is a follow-up complaint to ensure that previously disputed late payment notations with TransUnion are being properly addressed, corrected, and investigated in accordance with the FCRA. My TransUnion credit report is inaccurately reporting late payments for the following accounts : XXXX XXXX  ( Account # : XXXX ) dated XX/XX/XXXX, and XXXX XXXX  ( Account # : XXXX ) dated XX/XX/XXXX. Both accounts currently reflect a {$0.00} past due amount and show no ongoing delinquency, yet TransUnion continues to report derogatory late payment history that is no longer relevant, accurate, or verified through any legitimate documentation.

Under 15 U.S.C. 1681 ( c ) ( 2 ), when an account is closed and no longer delinquent, credit reporting agencies are required to ensure that obsolete or unverified derogatory information is removed or updated to reflect current standing. Additionally, 15 U.S.C. 1666 and 1666 ( b ) mandate that accurate billing information be upheld and investigated when challenged. These late entries may be the result of outdated information or poor handling of consumer dataespecially concerning considering the widespread issues related to data breaches. TransUnion has failed to provide any proof of verification or original documentation to justify these continuing derogatory marks.

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 2025-05-21 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:
While checking my credit report I noticed these accounts on their that I didnt authorize or use. Dispute letter and all documentation is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
While checking my credit report I noticed these accounts on their that I didnt authorize or use. Dispute letter and all documentation is attached

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 2025-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Based on Select Portfolio Servicing Transaction History, it clears shows that I am ahead by one payment. That my XX/XX/XXXXXXXX  payment is actually the payment for XX/XX/XXXX. SPS does not want to accept the proof saying other wise. They keep saying I am be hide 1 month when the Transaction History shows other wise. 
I have attached the Transactions History since the start of the loan which was XX/XX/XXXX. As you go thru the payments I have added the months that goes with each payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.

Complaint narrative:
I transferred money to my wallet and now Ive not been able to withdraw my money.I was told to verify my account I did that but they still didnt verify the account and they told me to message support to get my money Ive done that I didnt get a response from them. Even when I try to withdraw its gets stuck in pending this has been happening to me for over a month now Ive been trying to withdraw my money from on the app and XXXX of XX/XX/year> till day Ive not been able to withdraw my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
They cleared my {$17000.00} check two times and each time they froze my account and said it was fraudulent. Im filing this complaint because my account has been frozen for almost a month. They have put me at a financial hardship. I have not been able to pay my bills or receive any money coming into that account. This happened XX/XX/XXXX and then they did it again XX/XX/XXXX and its been closed since then, I know for a fact that check is not fraudulent. Ive contacted the bank where it came from Navy. Federal has cleared it two times and frozen my account two times saying that the check is fraudulent.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like you to conduct an investigation for me to make certain that everything is accurate : XXXX XXXX XXXX : XXXX open XXXX XX/XX/year> Account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. -Delete Account Immediately for 15 USC 1681e ( b ).

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