vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I FILED NUMEROUS DISPUTES DUE TO INACCURATE REPORTING. EQUIFAX DENIED TO FOLLOW UP WITH THE INVESTIGATION. I WAS RECENTLY NOTIFIED THAT THE CFPB HAS FILED A LAWSUIT AGAINST EQUIFAX. THEY ALLEGED THE COMPANY OF ACCEPTING UNRELIABLE AND UNVERIFIABLE INFORMATION AS WELL AS FAILURE TO NOTIFY CONSUMER DISPUTE RESULTS. THIS ALIGNS WELL WITH MY SITUATION! EQUIFAX HAS NOT ATTEMPTED TO REMOVE, NOR CORRECT ANY INFORMATION. I'M REQUESTING THESE DEROGATORY ACCOUNTS BE REMOVED OR CORRECTED IMMEDIATELY AS IT'S AFFECTING MY CHANCES OF GETTING BUSINESS LOANS AMD HOUSING FOR MY FAMILY. EQUIFAX VIOLATES MY RIGHTS AS A CONSUMER, AS WELL AS FEDERAL LAWS.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: PA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). The following account is reporting incorrect and inconsistent information that must be investigated and corrected or removed : Creditor Name : Discover Bank Account Number : XXXX The disputed issues include but are not limited to : Incorrect Balance Update Date My credit report states that the balance was updated on XX/XX/XXXX XXXX, which is a future date and impossible. This is a clear reporting error. 

Charge-Off with Increasing Past-Due Balance If the account was charged off, the past-due balance should not continue increasing. This suggests an error in reporting.

Highest Balance Discrepancy The reported highest balance ( {$14000.00} ) exceeds the credit limit ( {$13000.00} ), which appears to be incorrect. 

Inconsistent Status Updates The account status was last updated in XX/XX/XXXX, yet the past-due amount continues to change, raising concerns about its accuracy. 

Under the FCRA, I request an immediate investigation into these discrepancies. If the information can not be verified as 100 % accurate and timely, it must be deleted from my credit report. Please provide me with the results of your investigation in writing. 

As proof of my identity, I have enclosed copies of my drivers license, Social Security card, and a recent utility bill. I expect your response within the legally required 30-day timeframe. 

Sincerely, XXXX XXXX

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: AR

Complaint narrative:
I am requesting the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). Under Section 611 ( a ) ( 7 ), I have the right to submit a dispute statement, which must be included in my file if the inaccuracies remain uncorrected. I am prepared to exercise this right if needed.

Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from reporting inaccurate information they know or should know is wrong. It is clear that this standard has not been upheld in my case. Additionally, Section 623 ( a ) ( 4 ) requires furnishers to notify the credit agency of any dispute initiated by me. I expect this to be done immediately.

Finally, Section 611 ( a ) ( 6 ) mandates a written notice detailing the results of the investigation. I expect to receive this within the 30-day legal timeframe, outlining the actions taken or reasons for refusal.

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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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: NC

Complaint narrative:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-03-26 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED - XXXX US DEPT ED - XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED - XXXX XXXX  - XXXX US DEPT ED - XXXX List of Unauthorized Inquiries : XXXX XXXXXXXX  - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Need credit Inquiry Removed from my Credit report since I never applied for the Credit card yet it comes up in my credit which is currently affecting my home purchase process.

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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXX OH XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX D.C. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Deleted Account from Credit Report Dear Transunion , Equifax, Experian I am writing to formally notify you regarding the recent deletion of a charge-off account originally reported by XXXX XXXX  from my XXXX credit report. My name is XXXX, and the account in question had a balance of {$2200.00}. Following my dispute, XXXX completed their investigation on XX/XX/XXXX, and subsequently deleted the account from my XXXX report. 

According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), I have the right to dispute inaccurate information on my credit report, and this includes accounts that can not be verified. Since XXXX has deemed this account unverifiable and has removed it entirely from their reporting, I am requesting that you take similar action with regard to your records. 

The FCRA mandates that if an item is determined to be unverifiable, it must be removed from the credit report. Specifically, under Section 611 ( a ), you are required to conduct a reasonable investigation and, if you can not verify the information, you must delete it from my credit report. I expect that you will comply with this requirement and remove the unverifiable debt from my credit report within 30 days of this notice.

Failure to remove this account within the specified time frame will leave me with no choice but to consider further action. As a consumer, I have the right to take legal action under the FCRA, including but not limited to seeking damages for violations of my rights as outlined in Section 616.

Please consider this letter a formal request for the immediate removal of the unverifiable account from my credit report. I expect a written confirmation of the removal within 30 days.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXX OH XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX D.C. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Deleted Account from Credit Report Dear Transunion , Equifax, Experian I am writing to formally notify you regarding the recent deletion of a charge-off account originally reported by XXXX XXXX  from my XXXX credit report. My name is XXXX, and the account in question had a balance of {$2200.00}. Following my dispute, XXXX completed their investigation on XX/XX/XXXX, and subsequently deleted the account from my XXXX report. 

According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), I have the right to dispute inaccurate information on my credit report, and this includes accounts that can not be verified. Since XXXX has deemed this account unverifiable and has removed it entirely from their reporting, I am requesting that you take similar action with regard to your records. 

The FCRA mandates that if an item is determined to be unverifiable, it must be removed from the credit report. Specifically, under Section 611 ( a ), you are required to conduct a reasonable investigation and, if you can not verify the information, you must delete it from my credit report. I expect that you will comply with this requirement and remove the unverifiable debt from my credit report within 30 days of this notice.

Failure to remove this account within the specified time frame will leave me with no choice but to consider further action. As a consumer, I have the right to take legal action under the FCRA, including but not limited to seeking damages for violations of my rights as outlined in Section 616.

Please consider this letter a formal request for the immediate removal of the unverifiable account from my credit report. I expect a written confirmation of the removal within 30 days.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/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 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for an Amex XXXX XXXX XXXX  in XXXX, but never received it. Then on XX/XX/XXXX, I got a call from the XXXX XXXXXXXXXXXX XXXX XXXX they arrested someone with a card with my name on it, so it turned out someone had stolen my card ( probably from the mail ). I checked online, there were a lot of transactions I never did ( in Massachusetts ). On the same day, I called Amex, and they told me it was a pre-activated card and it was 2nd additional card ( I never requested an additional card ), I asked to freeze all Amex cards. I reported about fraud and police involvement. They sent me my card by XXXX in the next 2 days, which I did not use anyway. Today I received a paper mail from Amex, that they refused to cancel all fraudulent transactions, even though there's an active police investigation. Moreover, now I can see another transaction somewhere in Oklahoma. They did not cancel the stolen card and refused to cancel criminal transactions. Today ( XX/XX/XXXX ) I called again and provided them with the phone number and name of the detective in MA. This corporation is absolutely incompetent. I do not understand how someone can use a stolen card without activation with a bank ( I didn't activate any cards by phone or online with Amex ). I don't understand how they dare refuse cancel fraudulent criminal transactions while an active police investigation. Please help.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against Equifax due to their failure to investigate and correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ).

I formally disputed several inaccurate items on my Equifax credit report, including incorrect late payments, accounts that do not belong to myself, credit inquiries not made by myself. I provided supporting documentation proving these inaccuracies and requested a proper investigation.

Despite my request, Equifax has done nothing.This failure to conduct a reasonable investigation has caused financial harm, including denied credit, increased interest rates, damage to my credit score, emotional distress, etc.

Resolution Requested : I formally demand that Equifax : 1. Immediately remove all inaccurate and unverifiable information from my credit report.

2. Provide written confirmation that these corrections have been made.

3. Ensure compliance with the FCRA to prevent further harm to my credit profile.

I request that the CFPB take immediate action to ensure Equifax complies with federal law and protects consumers from unfair credit reporting practices. Please confirm receipt of this complaint and keep me updated on the next steps.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX has failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that Im a victim of the XXXX  Equifax data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. Im requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the XXXX Equifax breach, which affected over XXXX XXXX people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If one of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent account

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: 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: AZ

Complaint narrative:
XXXX has failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that Im a victim of the XXXX  XXXX data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. Im requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the XXXX XXXX breach, which affected over XXXX XXXX people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If one of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent account

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUN LOAN COMPANY INC.
State: MO

Complaint narrative:
Sun loan has not contacted me personally in years. The account is closed but they keep reporting negatively about it.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please Remove the mentioned Hard inquiries from my credit report as they are not mine and are fraudulent as well there is an address that i do not recognize. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not recognized by me XXXXXXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX  inquired on XXXX or XXXX In Transunion is XXXX in 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