vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: IL

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

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXXXXXX XXXX - Balance : {$5500.00} - Account # : XXXXXXXX XXXX XXXXXXXX - Balance : {$12000.00} - Account # : XXXX XXXX XXXX  - Balance : {$2000.00} - Account # : XXXX XXXX XXXX - Balance : {$1000.00} - Account # : XXXX - XXXX - Balance : {$680.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: IL

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

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXXXXXX XXXX - Balance : {$5500.00} - Account # : XXXXXXXX XXXX XXXXXXXX - Balance : {$12000.00} - Account # : XXXX XXXX XXXX  - Balance : {$2000.00} - Account # : XXXX XXXX XXXX - Balance : {$1000.00} - Account # : XXXX - XXXX - Balance : {$680.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: DC

Complaint narrative:
Recently I looked at a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you verify as accurate :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a list of names on my experian credit report and a list of address that is not right i should have only one name and one address only on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a list of names on my experian credit report and a list of address that is not right i should have only one name and one address only on my credit report

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed inaccurate and outdated personal information on my credit report, specifically old names and addresses that no longer reflect my legal identity. Despite submitting proper documentation ( including legal name change documentation and ID ), the credit bureau has refused to remove the outdated names from my report. 
This is in violation of : 15 U.S.C. 1681i ( a ) Failure to properly reinvestigate disputed information 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable information 15 U.S.C. 1681g ( a ) Failure to clearly and accurately disclose all information in my file

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed inaccurate and outdated personal information on my credit report, specifically old names and addresses that no longer reflect my legal identity. Despite submitting proper documentation ( including legal name change documentation and ID ), the credit bureau has refused to remove the outdated names from my report. 
This is in violation of : 15 U.S.C. 1681i ( a ) Failure to properly reinvestigate disputed information 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable information 15 U.S.C. 1681g ( a ) Failure to clearly and accurately disclose all information in my file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 requesting the immediate removal of these unauthorized accounts from my credit report. I did not create or approve these accounts, and I do not recognize them. In compliance with USC 1681g, I am formally asking that they be removed within 15 days. Supporting documents are included for your review. Additionally, the account details are inconsistent, with different information reported to each credit bureau

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 2025-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, a XXXX XXXX XXXX credit card was opened in a XXXX, Texas location without my knowledge or consent. The day the card was opened a purchase was mad for painting supplies for a total of {$370.00}. Once I received a credit card in the mail, I called XXXX XXXX to notify them that I had not applied for a card and found out there was a purchase the day of the application. I placed an initial fraud claims dispute with XXXX Bank and they declined my initial claim on XX/XX/XXXX, due to the fact that all application data match and the location was only XXXX miles from my home address. 

Once I received notification the claim was declined, I called back to let them know there was a problem and asked them to reconsider the claim. On XX/XX/XXXX I was notified that my reconsideration claim was declined for the same reason as the initial claim was declined. On XX/XX/XXXX I called to make a minimum payment for XXXX and XXXX to limit credit card impacts until I am able to resolve this issue with XXXX XXXX. 

It feels to me that XXXX does not want to take the time to review my claim. If they could access the video of who applied for this card or review who made the purchase they would clearly see it was not me.

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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This problem started early in XXXX where I received text messages from a chase number regarding a fraudulent withdraw. As I found out that I was scammed..I immediately went to the bank to show them.The text messages that were fraudulently to me Where from a chase number. When I explained this to them they refused to listen and only closed that account. I have received two more chase fraud text messages since that time. This is coming from the company. At this point I would like my money back.That was scammed since they did not resolve the problem by ending the text messages. I have screenshots and numbers to dates and times to prove it. The most current one today around XXXX XXXX XXXX. The attemption was for stating that there was a fraudulent withdrawal from an account.I already closed and he's confirmed to say no.And they send another text message saying that my account would not be charged.However that account has been closed. I did have an open complaint prior it was closed since the company stated.I withdrew the money since I am still receiving these text messages.I feel like this is coming from the internal part of chase and would like a refund of my money for the stress of these additional text messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Your company appears more than once on my credit report under inquiries, and I dont understand why. I havent had any recent contact or dealings with your company, and I never gave permission for you to pull my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Today I received alerts from my credit reporting agencies that a hard inquiry was made on my personal credit report for an unauthorized business loan. 

Inquiry was made from XXXX XXXX XXXX On XX/XX/year> I do not know them, nor do I own a business nor did I apply for any such business loan, not even a personal loan. These alerts are immediate so I know it is not from an application I did last year. 

Please remove this hard inquiry immediately from my credit report and immediately block any application from going through in my name. Unauthorized and illegal. Please confirm. 

Thank you, 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 2025-04-08 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, INQUIRIES XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX 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 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX assisted with my aligners that I finished treatment for over two years ago, their company announced multiple files they are going bankrupt and no longer can service customers in ordering aligner, services, or continuing with replacement aligners. The actually branch locations closed down and they all of a sudden send a bill to everybody when theyre no longer in business. I was never billed or invoiced an amount due to bankruptcy. This collection company TEKcollect is harassing me and wants to settle when I do not have business with their company or owe them. a please dispute this as I also disputed with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management Acct # : XXXX Debt amount : {$700.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX According to 15. U.S.C 1692 ( C ) you have violated my rights by unlawful communication. please remove this collection off of my credit report. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see validated proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of validated proof, you must remove the accounts listed below. 

Account # XXXX I demand the following accounts to be validated or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: Reach Financial LLC
State: CA

Complaint narrative:
reach Financial LLC Acct # : XXXX Debt amount : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX This account does not belong to me According to 15. U.S.C 1692 ( C ) you have violated my rights by unlawful communication. please remove this collection off of my credit report.

According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see validated proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of validated proof, you must remove the accounts listed below. 

Account # XXXX I demand the following accounts to be validated or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance. 
Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : 1. Ramirez v. TransUnion LLC, 141 S. Ct. 2190 ( 2021 ) The U.S. Supreme Court upheld a class-action lawsuit against XXXX for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
2. Johnson v. Wells Fargo Bank, N.A., 2020 U.S. Dist. LEXIS 12345 ( D. Md. 2020 ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
3. Soutter v. Equifax Info. Servs., LLC , 498 Fed . Appx. 260 ( 4th Cir. 2012 ) Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages.

4. Dixon-Rollins v. Experian Info. Sols., Inc. , 753 F. Supp. 2d 452 ( E.D. Pa. 2010 ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against TransUnion ( 2022 ) The Consumer Financial Protection Bureau ( CFPB ) fined XXXX {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights.

These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. 
Demand for Reinvestigation Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of this account ( s ) : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX  I was requested by my husband 's attorney to obtain a pre-qualification letter stating that I could have the funds necessary to buy him out of our martial home during our divorce. I spoke with XXXX XXXX XXXX XXXX letting him know what was being requested of me. All I needed was the letter stating that I could have those funds made available should my husband decide to accept my offer of the buy out. XXXX charged me {$500.00}, it was not properly explained to me why I was being charged. 

I should not have been charged for a pre-qualification letter, I believe XXXX charged me {$500.00} unnecessarily. 

There is no reason that I would have the loan submitted to be processed prior to having my offer accepted by my husband. I questioned XXXX multiple times as to why I needed to pay this. I feel that I was taking advantage of during a very difficult period. 

I have reached out to XXXX and Chase bank regarding this matter and have received no help.

Company response to consumer: Closed with explanation