vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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:
These following accounts are no longer in dispute. 


Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: MD

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, the issue remains unresolved. Under 15 U.S.C. 1681o, which outlines civil liability for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and removal of this inaccurate item, as it does not reflect my true credit history. Pursuant to the FCRA, an entity that negligently fails to comply with the Act is liable for : Actual damages sustained by  the consumer as a result of such failure, Costs of action, Reasonable attorneys fees if successful in enforcing compliance. 

Your failure to investigate and correct this erroneous information constitutes a violation of these provisions. Therefore, I demand that you take the following corrective actions immediately : Conduct a thorough investigation into the disputed item ( XXXX ) and provide documented validation. 

Remove or correct the inaccurate information if verification can not be substantiated. 

Provide a written confirmation of the investigation results within the legally required timeframe. 

Cease any further reporting of unverified or erroneous information. 

If you fail to comply with these requests, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and will consider legal action to enforce my rights under the FCRA. 

This letter serves as a final opportunity for you to rectify this matter before legal proceedings commence. I expect a written response within 30 days from the date of receipt, as required by law. 

I appreciate your prompt attention to this matter and look forward to your immediate resolution.

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 2025-04-02 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: MD

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, the issue remains unresolved. Under 15 U.S.C. 1681o, which outlines civil liability for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and removal of this inaccurate item, as it does not reflect my true credit history. Pursuant to the FCRA, an entity that negligently fails to comply with the Act is liable for : Actual damages sustained by  the consumer as a result of such failure, Costs of action, Reasonable attorneys fees if successful in enforcing compliance. 

Your failure to investigate and correct this erroneous information constitutes a violation of these provisions. Therefore, I demand that you take the following corrective actions immediately : Conduct a thorough investigation into the disputed item ( XXXX ) and provide documented validation. 

Remove or correct the inaccurate information if verification can not be substantiated. 

Provide a written confirmation of the investigation results within the legally required timeframe. 

Cease any further reporting of unverified or erroneous information. 

If you fail to comply with these requests, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and will consider legal action to enforce my rights under the FCRA. 

This letter serves as a final opportunity for you to rectify this matter before legal proceedings commence. I expect a written response within 30 days from the date of receipt, as required by law. 

I appreciate your prompt attention to this matter and look forward to your immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have tried for meany years with this issue I feel all my stuff should be pull off my report with all this breach going on all this year 's so it would be nice to erace my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: GA

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 2025-04-02 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:
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 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XXXX XXXX, we found that our platinum XXXX with BMO had been cancelled by BMO without prior notice and without any reason. This was discovered when my wife tried to pay for groceries and had to return home to get my card when hers failed to go through. Mine also failed. We have had this card since the late XXXX when we had our accounts with XXXX XXXX XXXX  bank in XXXX. We continued the credit card account after moving in XXXX, and it was picked up by BMO when they acquired XXXX XXXX XXXX We have always paid the account in full by the due date every month. When we called to find out why out cards didn't work today, we were informed that per the user agreement, BMO had cancelled the account and that they did not have to give us a reason why. When I asked how to get more information and who to contact, I was told that there would be no point as no further information had to be given. We have an " excellent '' FICO score, and our situation does not fit any of the scenarios listed in the " agreement ''. When I informed the supervisor at BMO of this, he said that those were just examples and that BMO had the right to cancel for any ( implied " no '' ) reason at any time without prior notice. Given that credit cards are often used for monthly recurring payments, this has the potential to damage a person 's credit profile. Any help would be greatly appreciated. My wife is the primary card hold on this account, thought we each have different card numbers with my card being attached to hers.

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 2025-04-02 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including 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 XXXXXX/XX/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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: SC

Complaint narrative:
they have emailed me claiming i owe them, but i never open an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am writing to bring to your attention a serious issue regarding Navy Federal Credit Union ( Navy Federal ), XXXX, XXXX, XXXX, and their reporting practices related to charge-offs on my credit report. It has come to my notice that Navy Federal, XXXX, XXXX, and XXXX has reported multiple charge-offs for each account every single month since the accounts were initially charged off. This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, specifically 15 U.S.C. 1681c, a charge-off should only be reported once and should not be updated or repeated after the initial reporting. By continuing to report these charge-offs each month, Navy Federal XXXX XXXX, XXXX, and XXXX is not only misrepresenting the status of my accounts but also inflicting considerable damage to my credit profile. 

I demand the immediate removal of the two charge-off accounts reported by Navy Federal from my credit report. Their actions constitute a violation of the FCRA, and it is critical that corrective measures are taken to rectify this situation. 

I appreciate your prompt attention to this matter and request that you investigate Navy Federal 's reporting practices thoroughly. I look forward to your swift response and the resolution of this issue. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: MO

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 





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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PRA continues to report on my credit reports and open account with an amount indicating a payment was made. I have repeatedly asked for proof they own the debt. Sending me statements of the accounts proves nothing. I am asking for the purchase agreement, how much they paid for it, their license to collect in FL and the signed agreement from XXXX XXXX  that all statements are accurate. 

PRA knows that they must cease all collection efforts until they provide the requested information. Since they won't provide it, they can't prove they own the debt and they must remove from my credit reports. All three. 

I will keep filing complaints until they comply. I'm sure I am not the only person with this issue with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: MO

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-02 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: OH

Complaint narrative:
Any person who shall be injured in his business or property by reason of anything forbidden in the antitrust laws may sue therefor in any district court of the United States in the district in which the defendant resides or is found or has an agent, without respect to the amount in controversy, and the court shall have jurisdiction of the action.

( b ) No action to enforce any cause of action under the antitrust laws shall be brought more than four years after the cause of action accrued, except that if the defendant is a foreign national, the cause of action shall not accrue until the plaintiff has discovered the violation.

( c ) In any action under this section, the court may award a plaintiff who prevails a reasonable attorneys fee as part of the costs of the action, and the United States shall be entitled to recover its reasonable costs in any action brought by it.

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 2025-04-02 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: TX

Complaint narrative:
I recently obtained my credit report from all three credit bureaus and noticed that Capital One reported a late payments. However, I have contacted the company multiple times on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> to discuss alternative payment options.The only option provided was a three month plan requiring {$85.00} for one account and {$69.00} for another, which was beyond my current budget due to unforeseen financial circumstances. I explained this to each representative, but no lower payment options were available. I was also informed that if I called after the XXXX of the month, the plan could change ; however, each time I inquired, the minimum payment continued to increase by {$5.00} per credit card.Previously, my minimum payments were {$35.00} and XXXX  XXXXThis situation has been a significant inconvenience, and I am seeking a resolution regarding the reported late payment and more flexible payment options. 
This version keeps all the key details while improving readability and professionalism. Let me know if you'd like any further refinements!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
I am writing you about the compromising of my social security number. I am a victim of Identity Theft due to the XXXX Data breach. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have made or accounts I have opened. It is the result of identity theft. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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