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 information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this final enforcement request regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refusal to correct FCRA violations despite my previous CFPB complaint. This ongoing non-compliance requires immediate regulatory enforcement. 

Prior CFPB Complaint Was Ignored I previously filed a formal CFPB complaint regarding inaccurate reporting of charge-offs and collection accounts. 
Despite the CFPBs involvement, all three furnishers failed to correct the violations. 
This constitutes willful non-compliance under FCRA 15 U.S.C. 1681n, making them legally required to delete the inaccurate accounts. 
Accounts in Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Status : Charge-Off Balance Reported : {$870.00} ( Should be {$0.00} ) Balance Last Updated : XX/XX/year> Why These Accounts Must Be Deleted Immediately FCRA 15 U.S.C. 1681s-2 ( Furnisher Responsibilities ) : A charge-off sold to a collection agency must show a {$0.00} balance with the original creditor. XXXX XXXX XXXX XXXX XXXX are violating this requirement by misreporting the balance. 
FCRA 15 U.S.C. 1681i ( Failure to Investigate ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to conduct a proper reinvestigation despite my dispute and the CFPBs previous complaint process.

Double Reporting & Misleading Credit Damage : Both the charge-off & collection agencys account are reporting the same debt, which inflates my debt-to-credit ratio and artificially lowers my credit score. 
FCRA 15 U.S.C. 1681n ( Right to Sue for Damages ) : Since these furnishers knowingly continue to report false information, I now have the right to pursue legal action against them for actual & statutory damages ( {$1000.00} per violation ).

FDCPA 15 U.S.C. 1692g ( Debt Validation Requirement Collection Accounts ) : XXXX XXXX XXXX has not provided sufficient validation proving they own the debt. 
If a collection agency can not validate a debt, they must delete it. 
FINAL DEMAND CFPB ENFORCEMENT REQUIRED The CFPB must immediately require XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to : XXXX Immediately delete all three charge-off and collection accounts from all credit reports ( Experian, Equifax, and TransUnion ) .

2 Provide written confirmation that these accounts have been permanently removed. 
XXXX Cease all further reporting of these accounts to any credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Due to a data breach, my credit report contains multiple unauthorized transactions and inaccurate information. These errors are a direct result of unauthorized access to my personal and financial data, which has severely impacted my credit profile. I did not authorize these transactions, nor did I consent to the reporting of incorrect information. Therefore, I formally request the immediate and complete removal of these unauthorized inquiries, fraudulent accounts, and any inaccurate personal details from my credit file. 

As a consumer, I have the right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). Failure to correct these errors in a timely manner could result in further financial harm and legal action, if necessary. I expect a prompt and thorough investigation into this matter, followed by a written confirmation that the disputed items have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
I AM WANTING THESE HARD INQUIRES TO BE REMOVED OFF OF MY CREDIT, I DID NOT AUTHORIZE NONE OF THOSE BANKS/AUTO COMPANY 'S TO RUN THEM AT ALL PLEASE THIS IS FRAUDULENT! THANK YOU, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> To Whom This may concern I have recently pulled my credit report and noticed that there is a collection listing from ur agency. 
l have never been notified of this collection action or that i owed debt. 
This letter is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that i am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 


Please attach copies or the following documents Agreement that you have authority to collect on alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that amount you wish to collect is correct I hope your legal staff will agree that noncompliance with this request in serious legal trouble for your company Pursuant to the fair debt collection practices act ( FDCPA ) 15 U.C. 1692g.

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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC. 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 investigation; and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX did not send box back to return phones. Account is XXXX XXXX XXXX. I reached out to them years ago and still nothing was done. XXXX is also no longer a company.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.

Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX

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: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a chase business banking customer. I have been with them many years and I have multiple business accounts with them. I opened another new business account with them for a new business i opened. After opening chase suddenly put a hold on my accounts without any prior intimation. I was unable to perform any transactions leave alone logging into my online accounts. This caused multiple payment failures and receivable failures and my business operations was thrown off rails. I still dont know what will happen to the nearly XXXX in funds I had in various accounts. I need an explanation on what happened with my accounts and why they were closed abruptly.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This agency has never sent me any investigation results to any of my past disputes. I demand this agency conforms to the procedures and requirements of the FCRA. I see now that there is no point in wasting money and mailing out a dispute letter to Equifax as they are not even providing me with any response other than " submit 2 forms of Identification in order to process your dispute ''. This is absolutely ridiculous. It is 2 in the morning right now. I haven't been able to sleep because of this. I demand that equifax complies with the FCRA or they will face legal action. The attached dispute letter is one that I just made. I will not mail this out and by submitting this complaint together with this new dispute letter, they CAN NOT claim that they did not receive anything. Attached also is 2 forms of ID.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I discovered multiple unauthorized hard inquiries that were made without my consent or permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. Federal law requires that a company must have my explicit written consent before conducting a hard inquiry on my credit file. Since I did not authorize these inquiries, they must be removed immediately. 

The unauthorized inquiries in question include : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 15 U.S.C . 1681i, I have the right to dispute inaccurate or unauthorized information on my credit report and request an investigation. I formally requested verification of my signed authorization for these inquiries, but no legitimate proof has been provided. These companies have failed to comply with federal law and have continued reporting these inquiries despite my dispute. Additionally, under the Fair Debt Collection Practices Ac
t ( FDCPA ) 15 U.S.C. 1692c ( c ), I am demanding that all companies involved cease and desist from further communication regarding these inquiries,
except for written confirmation of their removal. Any further violations may result in legal action.

If these unauthorized inquiries are not removed, I will escalate this complaint to the Federal Trade Commission ( FTC ), my State Attorney Generals Office, and pursue legal action for damages under FCRA 15 U.S.C. 1681n and 1681o, which provide for statutory and punitive damages for willful noncompliance.

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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Kikoff Inc.
State: TN

Complaint narrative:
They falsely advertised, did not improve my credit and stole my money. It was my understanding that money was going into a savings account but that was a lie. They made promises of raising my XXXX XXXX which was a lie, and they knew it. They are XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Just wait until the laws will change and they be sued. I will be the first XXXX on the suit for a class action suit for their fraud.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NJ XXXX SSN : XXXX Date : XX/XX/year> To : Experian XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Dispute of Unauthorized Information on My Credit Report & Reference to CFPB Complaint Against Experian Dear Experian 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 Experian. These excerpts highlight serious issues related to the reporting practices that affect consumer rights : Exhibit A : Key Excerpts from the CFPBs Official Complaint Against Experian Inadequate Procedures : " Experians 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 Experian have resulted in systemic inaccuracies that adversely affect consumers ability to access credit and obtain fair treatment under the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this 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 2025-03-19 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: DC

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 605B 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 explanation