vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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:
I am disputing inaccurate reporting of a charged-off XXXX XXXX XXXXXXXX credit card account. I have noticed multiple factual errors being reported by both TransUnion and Experian : Account Opening Date : TransUnion reports XX/XX/XXXX, while Experian reports XX/XX/XXXX. 
High Credit : TransUnion lists {$1300.00}, while Experian incorrectly shows {$0.00}. 
Last Activity Date : TransUnion lists XX/XX/XXXX, and Experian lists XX/XX/XXXX. 
Last Payment : Both bureaus report a payment on XX/XX/XXXX, which is false. I did not make any payment on that date. 

These discrepancies are misleading and violate the accuracy standards under the Fair Credit Reporting Act ( FCRA ). I have previously disputed this information directly with the credit bureaus, but they failed to properly investigate and correct the errors. I am requesting the CFPB to initiate an investigation and require the credit bureaus to verify or remove the incorrect data from my credit reports.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am disputing inaccurate reporting of a charged-off Bank of America credit card account. I have noticed multiple factual errors being reported by both XXXX and XXXX : Account Opening Date : XXXX reports XX/XX/XXXX, while XXXX reports XX/XX/XXXX. 
High Credit : XXXX lists {$1300.00}, while XXXX incorrectly shows {$0.00}. 
Last Activity Date : XXXX lists XX/XX/XXXX, and XXXX lists XX/XX/XXXX. 
Last Payment : Both bureaus report a payment on XX/XX/XXXX, which is false. I did not make any payment on that date. 

These discrepancies are misleading and violate the accuracy standards under the Fair Credit Reporting Act ( FCRA ). I have previously disputed this information directly with the credit bureaus, but they failed to properly investigate and correct the errors. I am requesting the CFPB to initiate an investigation and require the credit bureaus to verify or remove the incorrect data from my credit reports.

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 2025-03-25 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: PA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: CashRepublic Holdings, Inc.
State: OK

Complaint narrative:
Disputing OMNI FINANCIAL due to the LAWSUIT from the CFPB on XX/XX/year> while i was XXXX XXXX. I had a illegal loan through them as they violated the XXXX and XXXX and requested a complete deletion due to these facts. ( Complete Deletion from my credit report. ) Not only is it still there BUT even though its charged off the debt has gone from XXXX to XXXX near XXXX in a few years and keeps mounting. Correct me if I'm wrong but charge off accounts should not be generating interest. Please inform XXXX XXXX and XXXX to delete said account from report due to various errors and the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit reporting agencies randomly started showing a XXXX XXXX XXXX account that was closed 4 years ago as current and missed payments and have tanked my XXXX XXXX. I keep reporting it and they approve the removal but it keeps showing back up a couple days later. This puts people 's livelihood in danger and is putting me an incredible financial hardship. Please investigate TransUnion and Equifax and figure out why they are doing it. I am not the only person I know dealing with inaccurate information that they refuse to address.

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 2025-03-25 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-25 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I inquired about balance of loan and status. I would like to undertow account is closed to understand the validity of account of account if balance was paid by off through insurance claim from credit card company there should be no balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF Items TO BE REMOVED XXXX XXXX XXXX XXXX {$6200.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX BALANCED {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCE {$4300.00} XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/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 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 - XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: MO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: MO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was a victim of the Equifax breach several years ago and signed up to receive compensation and credit monitoring services as part of the settlement. I contacted Equifax to confirm my registration and spoke with a representative who assured me that I was correctly enrolled and would be receiving further instructions on how to proceed. However, as of XX/XX/year>, I still havent been able to get an accurate reading of my credit. The information on my credit report seems unclear, and XXXX unsure how to resolve the issue. Could someone assist me with this?

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was a victim of the Equifax breach several years ago and signed up to receive compensation and credit monitoring services as part of the settlement. I contacted Equifax to confirm my registration and spoke with a representative who assured me that I was correctly enrolled and would be receiving further instructions on how to proceed. However, as of XX/XX/year>, I still havent been able to get an accurate reading of my credit. The information on my credit report seems unclear, and XXXX unsure how to resolve the issue. Could someone assist me with this?

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 2025-03-26 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability on obtain credit.

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 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, while I was working, I discovered that a checking account had been opened in my name at Chase Bank without my knowledge. I noticed that a phone I did not recognize was linked to my online banking. Since then, someone attempted to open another checking account under my name, tried to transfer {$500.00} from my savings to both my personal checking account and the one they had opened, and made multiple attempts to make purchases on XXXX. 

Unfortunately, this individual was able to hack my account again on XX/XX/XXXX using a different phone. The entire situation has spiraled out of my control. In an effort to protect myself, I changed my debit and credit cards and even switched banks. However, when I approached Chase for help, their response was disheartening : Were a bank ; what do you expect us to do? I had expected more support from them in addressing this serious issue.

It's incredibly disturbing to see the lack of urgency in preventing this person from opening accounts in my name and committing fraud at multiple banks. As a long-time Chase customer without any credit card, the emotional toll has been significant, especially since I couldnt access my funds to purchase XXXX gifts for my family this year. When I tried to apply for a new credit card at XXXX XXXX, I was informed that I had no credit, which I do, but I keep running into problems in my finanical life since this issue has happened. 

Every day brings new challenges, and I cant help but feel overwhelmed by the situation. If the bank had a proper procedure to help customers like me combat fraud, I wouldnt have to spend so much energy advocating for myself. I came across your agency online after Chase informed me that there was no government agency I could turn to regarding this matter. I genuinely hope you can assist me in resolving these issues and preventing further fraud. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I have notified the credit bureaus of misreporting in accordance with the Fair Credit Reporting Act. It is my understanding an reason to believe that because this debt was charged off over 5 years ago by the companies below and I am requesting a Form 1099C as proof or evidence. The following accounts are charge off on my credit file and I disputed these accounts and they have came back verified with no 1099c furnished to me. However, because of these facts, I am requesting that the debt be cancelled. Due to inaccurate reporting please do not allow the furnisher to continue to report this inaccurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Capital One # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX Lexis nexis XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX Subject : Dispute of Credit Report Information Dear lexis nexis risk & information analytics group I am writing to formally dispute certain information in my credit report, which I obtained from your agency on [ insert date you received the report ]. According to the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate or incomplete.

The specific items I am disputing are : SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED 2 LACK OF RECENT REVOLVING ACCOUNT INFORMATION PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED TIME SINCE DELINQUENCY IS TOO RECENT OR UNKN I believe these items are inaccurate for the following reasons : My information was exposed to a data breach all my information was exposed to the public and I dont need my dispute to into a third day dispute under section 605 B ( Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection of this section ) this should be removed in 4 days.

I have enclosed copies of any relevant documents that support my dispute, including list any documents you are including, such as payment records, account statements, or identification.

Please conduct a thorough investigation of these disputed items. According to the Fair Credit Reporting Act, you are required to investigate and respond to my dispute within 4 days of receiving this letter.

Once your investigation is complete, please provide me with a full report of your findings, as well as a copy of my updated credit report reflecting any corrections made.

Thank you for your prompt attention to this matter. Should you need to reach me for any reason, please feel free to contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FDR Asset USA LTD
State: OH

Complaint narrative:
I filed a dispute on FDR ALLIANCE LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to have never been notified of this collection action or that I owed the debt. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX  ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }.

Company response to consumer: Closed with explanation