vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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:
I am writing to formally dispute an account listed on my credit report that does not belong to me. This letter serves as my fourth formal dispute of the account in question, and I am requesting your immediate intervention as the credit bureaus ( Equifax, Experian, and TransUnion ) have failed to properly investigate and remove this erroneous entry despite multiple rounds of disputes. 

Details of the Disputed Account : Account Name : XXXX XXXX Date Closed : XXXX XXXX, XXXX Amount Reported : {$16000.00} Account Name : XXXX XXXX XXXX Date Closed : XXXX XXXX, XXXX Amount Reported : {$28000.00} Account Name : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount Reported : {$25000.00} Despite my previous disputes, which included submitting documentation and providing evidence that the account does not belong to me, the credit bureaus have failed to properly investigate the accuracy of this account and, more importantly, have failed to remove it from my credit report. This repeated failure to adhere to the requirements outlined by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) is unacceptable, and I am invoking my rights under these consumer protection laws. 

As outlined under the FCRA Section 1681i, credit reporting agencies are required to conduct a reasonable investigation into any disputed information and correct or delete any information found to be inaccurate or incomplete. Furthermore, the FCRA Section 1681b establishes that information provided to credit bureaus must be accurate and verifiable. It is clear that this account does not meet these requirements, yet the credit bureaus have not performed the necessary due diligence to remove it.

I am invoking the following consumer protection rights : FCRA ( Fair Credit Reporting Act ), Section 1681i - The credit bureaus are legally obligated to investigate any disputed information thoroughly and promptly, which they have failed to do.

FCRA Section 1681e ( b ) - The credit bureaus must ensure the accuracy and completeness of all information reported. The continued presence of this account on my credit report is a direct violation of these requirements.

FDCPA ( Fair Debt Collection Practices Act ), Section 1692 - If the account is being reported by a debt collector, the debt collector is prohibited from continue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: NJ

Complaint narrative:
I am writing to formally dispute an account listed on my credit report that does not belong to me. This letter serves as my fourth formal dispute of the account in question, and I am requesting your immediate intervention as the credit bureaus ( Equifax, Experian, and TransUnion ) have failed to properly investigate and remove this erroneous entry despite multiple rounds of disputes. 

Details of the Disputed Account : Account Name : XXXX XXXX Date Closed : XXXX XXXX, XXXX Amount Reported : {$16000.00} Account Name : XXXX XXXX XXXX Date Closed : XXXX XXXX, XXXX Amount Reported : {$28000.00} Account Name : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount Reported : {$25000.00} Despite my previous disputes, which included submitting documentation and providing evidence that the account does not belong to me, the credit bureaus have failed to properly investigate the accuracy of this account and, more importantly, have failed to remove it from my credit report. This repeated failure to adhere to the requirements outlined by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) is unacceptable, and I am invoking my rights under these consumer protection laws. 

As outlined under the FCRA Section 1681i, credit reporting agencies are required to conduct a reasonable investigation into any disputed information and correct or delete any information found to be inaccurate or incomplete. Furthermore, the FCRA Section 1681b establishes that information provided to credit bureaus must be accurate and verifiable. It is clear that this account does not meet these requirements, yet the credit bureaus have not performed the necessary due diligence to remove it.

I am invoking the following consumer protection rights : FCRA ( Fair Credit Reporting Act ), Section 1681i - The credit bureaus are legally obligated to investigate any disputed information thoroughly and promptly, which they have failed to do.

FCRA Section 1681e ( b ) - The credit bureaus must ensure the accuracy and completeness of all information reported. The continued presence of this account on my credit report is a direct violation of these requirements.

FDCPA ( Fair Debt Collection Practices Act ), Section 1692 - If the account is being reported by a debt collector, the debt collector is prohibited from continue

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 2025-03-27 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$8000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1100.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: PA

Complaint narrative:
I recently obtained a recent copy of my credit report and found that there are numerous accounts on my report that is not mine and believed to be fraudulent. I've filed an identity theft affidavit and reported errors to Equifax. Unfortunately, Equifax have failed to acknowledge my request to remove, and block said accounts per 15 USC 1681c-2. Furthermore, they have failed to even investigate the matter. Attached you will find all documents sent to Equifax and proof of Identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXXXXXX XXXX XXXX  Balance : {$4700.00} - Account # : XXXX XXXX - XXXX : {$150.00} - Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$350.00} - Account # : XXXXXXXX XXXX XXXXXXXX XXXX - XXXX : {$4200.00} - Account # : XXXX XXXX XXXX XXXX Balance : {$4000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights 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 non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I encounter difficulties in opening bank accounts. I am unable to obtain both debit and credit accounts from XXXX  XXXX XXXX, Chase, and XXXX XXXXXXXX XXXX. My sole available credit card is from XXXX XXXX, but the same bank denies me a credit card application. I have been diligently improving my credit score in anticipation of obtaining any credit or debit card from banks. However, each bank denies my application without providing a specific reason for the denial. I have reached out to all the mentioned banks, but their explanations vary inconsistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
A company called Structured Settlements called my father, saying I was in trouble and that they needed to reach me and talk to my commanding officer ( I am XXXX XXXX XXXX ). 

I called the number they provided him and was told they are a debt collector to collect for some company around the amount of {$250.00} for XXXX gummies. I have never attempted to purchase XXXX, as I am in the XXXX and that is prohibited. They provided an address that I have never been associated with. They threatened that my credit score could be affected if I dont pay and that they will speak to my commanding officer. XXXX indicates that others have received this threatening scam before from this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I disputed some chargers with current bank they approved XXXX of them and denied the other one for provisional credit when they all are from the same company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was still incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance {$9800.00} XXXX XXXX XXXX Balance {$0.00}

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 2025-03-27 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-03-27 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: 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 2025-03-27 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: TX

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for 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 non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/year> the dispute was filed and there has not been any change to my account with capital one with late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information.

Written confirmation of the actions taken to resolve this dispute.

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, FL, 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is my 1st attempt to address the ongoing issue. Despite multiple requests, I have been consistently denied access to my personal credit report by EQUIFAX. They have refused to release any information regarding my credit history. Attached here with are supporting documents, including a copy of the letter I sent to the credit bureau, along with copies of my personal identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Hello, As matter of fact, I have been trying to open a credit card with different banks. I have received denial without explanation. Meanwhile, I have checked my credit reports. I havent seen anything that why Im getting denied. Please help me to get credit cards again. I had XXXX credit card from bank of America. They deactivated my account too. 



If you need any further information please feel free to let me know. 



Best regards, 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 2025-03-27 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XXXX until present XXXX I have been trying to unfreeze my credit temporarily to buy a refrigerator. I have tried countless times online and, on the phone, unsuccessfully. I keep getting run around with automated systems and online. I don't have the pin, but also, I see that pin is no longer necessary. System keeps telling me phone # is not connected to account. I can verify my identity many ways, I just can't get through the process. 

I have already unfrozen credit with XXXX and XXXX, just Experian it's impossible.

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