vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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:
I am filing this formal complaint regarding an inaccurate late payment that has been reported on my credit file for my XXXX XXXX XXXXXXXX account ( Account # XXXX ) in XX/XX/year>. This late payment was caused by an automatic payment system failure, which was entirely out of my control. 

I had set up automatic payments to ensure my account remained in good standing. However, due to a technical processing error on XXXX XXXX XXXX end, my payment was not processed correctly, leading to an unjustified delinquency mark on my credit report. This error has significantly impacted my creditworthiness, despite my history of responsible financial management. 

Legal Basis for Removal : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Creditors are required to report only accurate information. Since this late payment resulted from a system error and not financial negligence, it should not be reflected on my credit report.

FCRA 1681i ( a ) ( 1 ) I have the right to dispute inaccurate or unverifiable information, and the data furnisher must properly investigate and remove incorrect reporting.

FCRA 1681s-2 ( b ) If an error is disputed, the furnisher is legally obligated to conduct a reasonable investigation and correct the inaccuracy. 
Despite these legal protections, this inaccurate late payment remains on my credit file. I have attempted to resolve this directly with XXXX XXXXXXXX XXXX, but my dispute has not been properly addressed. Therefore, I am formally requesting the immediate removal of this erroneous late payment from my credit report. 

Next Steps : If this matter is not resolved promptly, I will have no choice but to file a claim in my local small claims court for damages related to this reporting error. I am also prepared to escalate this issue with the appropriate regulatory agencies overseeing fair credit reporting practices. 

I request that you confirm receipt of this complaint and provide a written resolution. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: VA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-03-12 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: GA

Complaint narrative:
I am writing to dispute inaccurate, duplicate, and unverifiable information that remains on my TransUnion credit report after a previous dispute on XX/XX/year>. Under 15 U.S.C.

1681i ( Fair Credit Reporting Act ) .Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.

1681c-2, I am requesting the immediate block and removal of these accounts from my credit file.

Fraudulent Account.FCRA 15 U.S.C. 1681i, which mandates the removal of unverifiable or inaccurate information. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, which prohibits fraudulent debt collection activities, the accounts listed below were improperly verified and must be removed immediately : XXXX. XXXX XXXX XXXX Account Number : [ Insert Full or Partial Account Number ] Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} Status : Closed - Derogatory Reported Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ Insert Full or Partial Account Number ] Reason for Dispute : XXXX. Failure to Provide Proper Verification I previously submitted a 609 letter requesting verification of these accounts. As required by 15 U.S.C. 1681g, TransUnion is obligated to provide complete documentation, including the original contract with my signature proving I agreed to the alleged debt. The response I received failed to provide this documentation, rendering the accounts unverified and therefore must be immediately deleted. 
XXXX. Duplicate Reporting Upon further review, I discovered that both accounts are derived from the same original creditor, XXXX XXXX XXXX XXXXXXXX, which constitutes duplicate reporting. Reporting the same debt twice is misleading, inaccurate, and violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy.

3. Violation of Consumer Rights By failing to provide adequate proof of verification and allowing duplicate entries to appear on my credit report, TransUnion is willfully non-compliant with federal consumer protection laws. 
I am demanding the immediate deletion of these inaccurate, unverified, and duplicate accounts from my credit file. Failure to comply with this request may result in further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing remedies available under the FCRA. 
Please provide confirmation in writing once these accounts have been deleted.

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 2025-03-12 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: TN

Complaint narrative:
I filed a dispute in XX/XX/year> Account name 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  due to Accounts paid in full for less than full balance. Experian, Transunion, and Equifax denied to follow-up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian, Transunion, and Equifax. They alleged the company of accepting unreliable dispute results. this aligns well to my situation! Experian, Transunion, and Equifax has not attempted to remove, nor correct any information. I'm requesting this derogatory remarks be removed or corrected immediately as it's affecting my chances of getting a house and a car. Experian violated my rights as a consumer, as well as federal laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On the evening of XX/XX/XXXX, XXXX unilaterally decided to approve a declined transaction from my account without my knowledge or consent. At the time of the transaction, i accidentally chose XXXX from my apple wallet. My XXXX account had no funds, and the payment was declined. Since the transaction did not go through, I paid with another card. 

Despite this, XXXX  later withdrew the amount from my account, overdrawing it. To make matters worse, they took a portion of a deposit I later received. When I requested proof of this withdrawal, XXXX refused to provide any, yet they are now aggressively demanding that I prove I paid with another cardsomething that should not even be my burden since the original transaction was declined. 

This practice is unethical and possibly illegal. XXXX can not arbitrarily approve transactions that were initially declined and then seize funds without providing documentation. I am requesting : A full refund of the funds XXXX wrongfully withdrew. 

Documentation proving their claim. 

A formal investigation into XXXX handling of declined transactions. 

I am seeking the CFPBs assistance in resolving this matter, as XXXX has been uncooperative. They want me to chase down the hotel for proof when they should have proof of spending out of my account and then stealing from my deposit to pay themselves back! 

Please assist me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: Global Lending Services LLC
State: NC

Complaint narrative:
i have multiple inquiries on my credit report that were made from XXXX - XXXX that i had no clue about until i checked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
i have multiple inquiries on my credit report that were made from XXXX - XXXX that i had no clue about until i checked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

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 non-monetary relief
Consumer complaint received 2025-03-12 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I lost my identity a while ago. As I was learning about credit and pulled my report I noticed this account that is incorrect and I did not open. Can this be corrected and removed please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Today I was called from a number that was listed as a Chase bank number and they told me that someone in another state was trying to send XXXX  dollars from my XXXX account and that they held the transaction since this was suspicious. They told me they had to block the access of this person to my account and told me I had to send some money through XXXX  to make sure im the only person able to access my account, I sent XXXX dollars and later found out this was a scam. My main confusion came because the number was a Chase number, but later after I transferred the money noted something was off and decided to hang up and call chase and they confirmed this was a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
Equifax has violated my rights that's granted by the FCRA. My attorney will update & communicate with Equifax with updates about lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: CO

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Do anything necessary to remove them form my report. Please..

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 2025-03-12 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX XXXX  XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: NV

Complaint narrative:
I have an account that was opened under my name that I do no recognize By " XXXX '' on XX/XX/XXXX or XX/XX/XXXX for {$280.00}... 
also an account XXXX XXXX {$330.00} XX/XX/XXXX. I have made a formal complaint with the FTC and will be attaching the report. I filed a police report with the XXXX XXXX Police department in XXXXXXXX XXXX XXXX Case # XXXX ) plus I made a report of stolen identity to the XXXXXXXX XXXX  XXXX on XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. THis practice violates the Fair Credit Reporting Act, 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C. 5536 as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX. XXXX against them for similar violations. I request that the CFPB take actions to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
I want reported accounts to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: MI

Complaint narrative:
I am experiencing unauthorized student loan payments being withdrawn from my bank account and incorrect credit reporting by XXXX. My loans were supposed to be XXXX per a letter from XXXX XXXX XXXX, yet XXXX has continued to process automated payments that I did not authorize. 

Additionally, XXXX has reported me as delinquent to the credit bureaus, but when I contact them using the last four digits of my Social Security number, they claim that they can not locate an active account in their system. 

I have screenshots of my bank transactions showing payments withdrawn by XXXX, as well as my letter from XXXX XXXX XXXX confirming the discharge of my loans. I am happy to provide these upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am experiencing unauthorized student loan payments being withdrawn from my bank account and incorrect credit reporting by XXXX. My loans were supposed to be XXXX per a letter from XXXX XXXX XXXX, yet XXXX has continued to process automated payments that I did not authorize. 

Additionally, XXXX has reported me as delinquent to the credit bureaus, but when I contact them using the last four digits of my Social Security number, they claim that they can not locate an active account in their system. 

I have screenshots of my bank transactions showing payments withdrawn by XXXX, as well as my letter from XXXX XXXX XXXX confirming the discharge of my loans. I am happy to provide these upon request.

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 2025-03-12 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: MI

Complaint narrative:
I am experiencing unauthorized student loan payments being withdrawn from my bank account and incorrect credit reporting by XXXX. My loans were supposed to be discharged per a letter from XXXX XXXX XXXX, yet XXXX has continued to process automated payments that I did not authorize. 

Additionally, XXXX has reported me as delinquent to the credit bureaus, but when I contact them using the last XXXX digits of my Social Security number, they claim that they can not locate an active account in their system. 

I have screenshots of my bank transactions showing payments withdrawn by XXXX, as well as my letter from XXXX XXXX XXXX confirming the discharge of my loans. I am happy to provide these upon request.

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 2025-03-12 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: KY

Complaint narrative:
Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
Accounts in Question : XXXX XXXX  Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information.

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

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 2025-03-12 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: FL

Complaint narrative:
I am Filing a complaint against Equifax for failing to properly investigate my regarding inaccuracies in my credit report despite my submissions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I need this collection to be remove of my credit report asap

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation