vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TX

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 2025-04-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX\n SSN: XXXX XXXXnTo Whom This May Concern, \nThis letter is a formal complaint that you are reporting completely inaccurate \nand misleading information on my credit report. This inaccurate information is \nnot only stopping me from obtaining credit, it is damaging my financial well\nbeing and seriously hurting my character. \nEnclosed with this letter are the details of the account in dispute, with all of my \npersonal information to verify my identity to help expedite this process. \nBy provisions of 15 US section 1681i of the Fair Credit Reporting Act, these \nitems need to be investigated. Please provide me with proof of these items, \nspecifically, the contract bearing my signature. Failing that, please update \nthe record to show as PAID IN FULL/AS AGREED or REMOVE this item from \nmy credit report as soon as possible. This is a very serious matter affecting \nmy everyday life. \nThe outlined item is completely inaccurate and a very serious error in \nreporting. Please update this information: \nAccount Name: XXXX XXXX XXXX XXXX XXXXnAccount Number: NOT AVAILABLE: AMOUNT ON MY PROFILE CLAIMING XXXXnThis account is listed as a collection/charged off account on my credit report \nbut I have never received a 1099C for this charged off debt. Can you please \nprovide me with a 1099C to accurately reflect this as a charge off for tax \npurposes and please update my credit report accordingly or delete \nimmediately. \nPursuant to 15 US section 1681i (6) (A) of the Fair Credit Reporting Act, \nplease provide me with the description of the procedure used to determine the \naccuracy and completeness of the information, to be provided within 15 days \nof the completion of your investigation. \nI appreciate your prompt attention to this matter as these may seem like small \nreporting errors to you but they are serious offenses on my report when it is \ntime to purchase a home for my family, a vehicle, look for a business loan or \neven to obtain employment. Please consider expediting this process for me. \nThank you. \nSincerely, \nXXXX 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 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They say that this debt was opened XX/XX/XXXX in the amount of {$780.00}. 
I tried to let them know of this infraction on their part and my consumer report was updated stating " XXXX account. {$780.00} past due as of XX/XX/XXXX. That is when I tried to correct this matter with them. I know that the original owner of the contract has charged off this account on their side and yet this company is trying to collect on a debt that I never had with them. 15 USC 6802 states that a financial institution can share my non public information with a XXXX  party. This is a clear violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b'To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Under 15 USC 1681e (b) Compliance and procedures (b) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow resonance procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. I demand to see verifiable proof (i.e: an original consumer contract with my signature on it) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. \n\nCREDIT REPORTING ACT 15 USC  1681(2)(a)(i) Exclusions from a consumer credit report clearly states: (a) EXCLUSIONS- Except as provided in paragraph (3), the term consumer report does not include (A) Subject to section 1681s-3 of this title, any (i) report containing information solely as to transactions or experiences between the consumer and the person making the report; Delete the late payments from my consumer report in the next 15 days, this agency violates 15 USC 1681. Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company. Defamation of Character (per se) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1 681 violations for willful noncompliance-6 16. Civil liability for willful noncompliance (15 U.S.C  1681n) \n\n\nYour failure to positively verify these accounts has hindered my ability to obtain credit. Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you cannot provide me a copy of verifiable proof, you must DELETE the account listed below. I demand that the following account be validated or DELETED immediately: \n\nOriginal Creditor: XXXX XXXX XXXX XXXXnAccount NumberXXXX XXXX XXXX XXXXn\n In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty (30) days to complete your re-investigation. \n\nDelete these late payments from my credit profile.\n\nBe advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen (15) days of the completion of your re-investigation. \n\nBest RegardsXXXX 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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ca, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, CA XXXX Subject : Request for Debt Validation and Credit Report Correction Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute the validity of the debt that your agency has reported to the credit bureaus and is attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request proper validation of this alleged debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am exercising my right to dispute any inaccurate, incomplete, or unverifiable information reported to the credit bureaus. If you can not provide the required validation, I request that all negative marks related to this debt be immediately removed from my credit report in compliance with the law. Required Documentation for Validation To comply with the FDCPA and FCRA, please provide the following : 1. Proof of the Original Debt The name of the original creditor, original account number, and a signed agreement proving I am legally obligated to pay. 2. Complete Payment History An itemized breakdown of the alleged balance, including fees and interest. 3. Proof of Legal Right to Collect Documentation proving that you have been legally assigned or purchased this debt. 4. Verification That This Debt is Within the Statute of Limitations If the debt is time-barred, you must cease collection and reporting activities. Until this debt is properly validated, I request that you cease all collection activities and remove any associated negative reporting from my credit profile. Reporting unverified or inaccurate information violates FCRA 623 ( 15 U.S.C. 1681s-2 ) and can result in legal consequences. If you are unable to verify this debt within 30 days, per FCRA 611 ( 15 U.S.C. 1681i ), you must delete this account from my credit file. If the information remains on my credit report without proper validation, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Please provide a written response within 30 days. If you can not validate the debt, I expect its complete removal from all credit bureaus. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
I recently reviewed my credit report for my mortgage history XXXX and XX/XX/year> while applying for a mortgage and noticed that my payments were being reported as late which isnt true ( see XXXX XXXX  pay history ) XXXX contacted the consumer reporting agencys and no one could prove that I had been late for the above mentioned payments ( XXXX XXXX who is a joint owner on the account shows our mortgage as being paid on time which is confusing in itself, see attached ). Im now requesting that you investigate and provide verifiable proof with records showing that I had late payments in XXXX and if that cant be done, Im respectfully requesting my credit report be updated immediately to reflect my updated status and the deletion of the late dates which arent true or accurate in violation of the FCRA.Thank you for your understanding and prompt action.

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 2025-04-30 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:
I recently reviewed my credit report for my mortgage history XXXX and XX/XX/year> while applying for a mortgage and noticed that my payments were being reported as late which isnt true ( see XXXX XXXX  pay history ) XXXX contacted the consumer reporting agencys and no one could prove that I had been late for the above mentioned payments ( XXXX XXXX who is a joint owner on the account shows our mortgage as being paid on time which is confusing in itself, see attached ). Im now requesting that you investigate and provide verifiable proof with records showing that I had late payments in XXXX and if that cant be done, Im respectfully requesting my credit report be updated immediately to reflect my updated status and the deletion of the late dates which arent true or accurate in violation of the FCRA.Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
This complaint is directed towards Experian, Equifax, and TransUnion Bureaus as a followup. I am submitting to formally report an incident of identity theft that has had a significant impact on my credit reports. I conducted research on the procedure to remove the unauthorized inquiries from my credit report. It has come to my attention that I need to submit an identity theft report as part of the resolution process. I am aware that under FCRA Section 605B ( 15 U.S.C. 1681c-1 ), the Credit Reporting Agencies are legally obligated to promptly remove any entries associated with an identity theft report. 
XXXX XXXX XXXX XXXX * * * * $ XXXX tied up XXXX XXXX XXXX XXXX * * * * $ XXXX tied up XXXX XXXX XXXX XXXX * * * * {$3600.00} - tied up XXXX XXXX XXXX XXXX * * * * $ XXXX tied up XXXX XXXX XXXX XXXX * * * * $ XXXX tied up XXXX XXXX XXXX XXXX XXXX * * * $ XXXX tied up XXXX XXXX XXXX XXXX * XXXX * * $ XXXX tied up XXXX XXXX XXXX XXXX * * XXXX * $ XXXX tied up XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section XXXX and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within XXXX calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : XXXX.File formal complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my State Attorney General. 

XXXXInitiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

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
Consumer complaint received 2025-04-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX and XXXX for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) in connection to a disputed XXXX-related debt that is currently being reported on my Equifax credit report only. The account has been disputed, removed, and then re-reported on multiple occasions, each time being listed as a new trade line, rather than maintaining the original date of delinquency. This violates the Fair Credit Reporting Act 1681c ( a ) ( 5 ) regarding the maximum allowable reporting period and proper data retention.

Violations include but are not limited to : 1. 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate XXXX XXXX is reporting a debt with conflicting and inaccurate information, including : A {$190.00} balance with a {$0.00} payment history A reported status of 120 days late, which is inconsistent for a collection account A date last posted of {$0.00} on XX/XX/year>2025, with no verification or ownership documentation provided 2. 15 U.S. Code 1681s2 ( b ) ( 1 ) ( A ) - ( D ) Failure to properly investigate and correct disputed information I previously disputed this debt and it was removed. It has since been reinserted without my knowledge or legal notice, which violates 1681i ( a ) ( 5 ) ( B ) ( ii ) requiring written notice within 5 business days of reinsertion.

3. 15 U.S. Code 1681e ( b ) Failure to maintain accuracy and fairness in credit reporting The debt is being reported to only Equifax, not XXXX or XXXX creating inconsistent and materially misleading data across reporting systems. 
4. 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation XXXX XXXX has not validated the debt upon dispute and has continued furnishing despite admitting they do not own the debt, and are only collecting on behalf of XXXX. No documentation or signed agreement has been provided, and the continued reporting without ownership violates FCRA requirements. 

XXXX XXXX has provided conflicting statements about ownershipstating at times that they own the debt, and at other times that they are collecting on behalf of XXXX or another agency, which raises serious concerns about their legal standing to furnish this information. Immediate deletion of this XXXXrelated account from all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX, I opened an account with Chase. On XX/XX/XXXX, I deposited five {$100.00} checks ( {$500.00} total ) via mobile deposit, which were issued by my church toward my college education expenses. Shortly after, my account was closed by Chase the following week. Since then, neither I nor the check issuer has received the {$500.00} back, and none of the checks have been returned. 

Both the issuer and I went to the Chase location at XXXX XXXX XXXX, XXXX, NY XXXX to resolve the matter. We were told the staff did not have the access or authority to return the checks or provide any assistance. We were redirected multiple times and received no clear explanation or help. 

We clearly requested that the checks be returned to either myself or the issuer, as I never received the funds. The issuer of the checks reached out to their bank as well and was told multiple times that the funds are still with Chase. We visited again on XX/XX/XXXX, and unfortunately experienced the same poor service. Yet again, our request was denied and we were even asked to go to another Chase Bank Branch even though I opened my account at the XXXX XXXX XXXX, XXXX, NY XXXX. This situation has been ongoing for over a year and remains unresolved. These funds were specifically intended to support my education, and it is unacceptable that neither the money nor the checks have been returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have tried for 30 day to I submit a credit block request due to XXXX XXXX. I have called and spoke to someone who said my social security number is tied to someone else 's, and that they would have it " unmerged '' within 3-5 business days. I asked to dispute over the phone, and my request was denied. I called back a week later an spoke with a really nice supervisor who worked on my case for over an. hour with IT, because she said my credit report show 2 social security numbers. She was able to delete one but was not able to complete my dispute due to an error with their system. She stated someone would call me back in 2 hours. No one has called me back and once again, I am unable to have my credit block. I have sent : a valid " self attestation '' form from the Office of Victims advocate in Pennsylvania. Signed by their director, valid ID, a statement containing what I was uploading, a word document with all inaccurate information needed to be block, a screen shot of the Office of Victims Advocate government agency website explaining how they are identified by the government to help and support victims of XXXX XXXX, as well as a letter stating that I am in the Address Confidentiality program due to being a victim oXXXX 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