vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Deletion for Failure to Investigate On XX/XX/year>, Equifax publicly disclosed a data breach involving the names and other personal data of Social Security recipients. Since this breach, Equifax has been responsible for investigating and disputing inaccurate or fraudulent information, ensuring compliance with all standards under the Fair Credit Reporting Act ( FCRA ). This includes adhering to regulations for data verification, data transmission, system validation, and dispute resolution. 
Despite this obligation, Equifax, through negligence and willful misconduct, has continuously failed to conduct proper investigations into disputes filed through the Consumer Financial Protection Bureau ( CFPB ), online channels, and mailed correspondence. The CFPB has documented instances where Equifax engaged in sham investigations, failing to adequately review consumer disputes and, in some cases, even reinserting previously deleted inaccurate information into consumer credit files. This pattern of negligence is evident within my personal credit file, where multiple disputes have been ignored, and required proof for deletions was disregarded. 
Equifax was provided deletion documentation from both XXXX and XXXX but refused to take corrective action. The following accounts were officially removed by other credit bureaus yet remain improperly listed by Equifax : l ACCOUNT : XXXX ** XXXX XXXX XXXX XXXX to 15 U.S.C. 1681i ( FCRA 611 ), Equifax has failed to properly review the provided information and has not offered any explanation for why fraudulent accounts remain on my Equifax report after removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law. 
This dispute has remained unresolved for over two years without proper validation or investigation. As such, these accounts must be immediately deleted, and all associations between my personal information and these fraudulent entries must be permanently removed. 
Final Demand This is not a request for review or modification. My rights have already been violated, and I have suffered financial and emotional hardship as a result. The only acceptable resolution is the immediate deletion of these accounts, with an official deletion letter sent to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, United States This action must be completed within 10 days. Failure to comply will require a detailed explanation from the specialist assigned to my case, including full disclosure of the investigative process conducted. Any further failure to act in accordance with FCRA and CFPB regulations will result in legal consequences, with the responsible specialist held personally accountable for financial and emotional damages incurred. 
Immediate compliance is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
credit bureau reporting inaccurate information. I asked them to send me proof of original signed contract and they failed to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: MO

Complaint narrative:
I sent a letter to creditor XX/XX/year> stating I'm going through financial hardship and I see where this item was charge-off from my credit report but I was never sent me a 1099. Could please send me one. I also explain The way this account is reporting the account balance, acct number, the date of last payment doesn't look familiar, could you please delete this from my account immediately. This is a violation of the fair credit reporting act willful Non-compliance because they're neglecting the fact that you're requesting something that under the law 15usc1681i ( a ) ( 6 ) ( b ) ( iii ) I can request.

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 2025-02-17 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: MO

Complaint narrative:
I sent a letter to creditor XX/XX/year> stating I'm going through financial hardship and I see where this item was charge-off from my credit report but I was never sent me a 1099. Could please send me one. I also explain The way this account is reporting the account balance, acct number, the date of last payment doesn't look familiar, could you please delete this from my account immediately. This is a violation of the fair credit reporting act willful Non-compliance because they're neglecting the fact that you're requesting something that under the law 15usc1681i ( a ) ( 6 ) ( b ) ( iii ) I can request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I sent a letter to creditor XX/XX/year> stating I'm going through financial hardship and I see where this item was charge-off from my credit report but I was never sent me a XXXX. Could please send me one. I also explain The way this account is reporting the account balance, acct number, the date of last payment doesn't look familiar, could you please delete this from my account immediately. This is a violation of the fair credit reporting act willful Non-compliance because they're neglecting the fact that you're requesting something that under the law 15usc1681i ( a ) ( 6 ) ( b ) ( iii ) I can request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX  XXXX Account # : XXXX High Balance : {$3600.00} Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$3600.00} Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$3600.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX High Balance : {$44000.00} Account Name : XXXX XXXX  Account # : XXXX High Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX High Balance : {$22000.00} {$22000.00} Account Name : XXXX XXXX  Account # : XXXX High Balance : {$3500.00} Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$0.00} {$4300.00} ccount Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX High Balance : {$160.00} {$160.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$360.00} {$360.00} {$360.00} XXXX  XXXX  Account # : XXXX XXXX High Balance : {$6900.00} {$6900.00} Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$260000.00} {$260000.00} {$260000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX High Balance : {$17000.00} {$18000.00} {$17000.00} Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$1800.00} {$0.00} {$1800.00} Account Name : XXXX XXXX Account # : XXXX High Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX : done XXXX XX/XX/XXXX : done XXXX XXXX XXXX XXXX XX/XX/XXXX : done XXXX XXXX XXXX XX/XX/XXXX : done XXXX XXXX XXXX XXXX  XX/XX/XXXX : done XXXX XXXX XXXX XX/XX/XXXX : done XXXX XX/XX/XXXX XXXX done XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : done XXXX  XX/XX/XXXX XXXX done XXXX XXXX  XX/XX/XXXX : done

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 2025-02-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX  XXXX Account # : XXXX High Balance : {$3600.00} Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$3600.00} Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$3600.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX High Balance : {$44000.00} Account Name : XXXX XXXX  Account # : XXXX High Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX High Balance : {$22000.00} {$22000.00} Account Name : XXXX XXXX  Account # : XXXX High Balance : {$3500.00} Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$0.00} {$4300.00} ccount Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX High Balance : {$160.00} {$160.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$360.00} {$360.00} {$360.00} XXXX  XXXX  Account # : XXXX XXXX High Balance : {$6900.00} {$6900.00} Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$260000.00} {$260000.00} {$260000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX High Balance : {$17000.00} {$18000.00} {$17000.00} Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$1800.00} {$0.00} {$1800.00} Account Name : XXXX XXXX Account # : XXXX High Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX : done XXXX XX/XX/XXXX : done XXXX XXXX XXXX XXXX XX/XX/XXXX : done XXXX XXXX XXXX XX/XX/XXXX : done XXXX XXXX XXXX XXXX  XX/XX/XXXX : done XXXX XXXX XXXX XX/XX/XXXX : done XXXX XX/XX/XXXX XXXX done XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : done XXXX  XX/XX/XXXX XXXX done XXXX XXXX  XX/XX/XXXX : done

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 2025-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My husband applied for the loan. I never consulted, applied or agreed to or signed the note and bank documents for the loan. He is now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He added my name to the loan. The bank failed to speak to me to verify I was to be included or consulted if I agreed to the loan in question. 

I wrote several letters and disputed this loan including a letter to the XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. He never replied to the specific allegations. The bank has completely ignored my claim that the loan is not mine. I have uploaded all the relevant documents.

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 2025-02-17 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: CA

Complaint narrative:
CFPB, Can you please make them remove these negative accounts that's infecting my consumer credit report. Under consumer code 15 USC 1681eb. According to the IRS canceled debt a ( CHARGE OFF ) is gross or ordinary income. Income doesn't get reported on your consumer report. Since income doesn't get reported on your consumer report. A ( CHARGE OFF ) is inaccurate account and it have to be removed. Here are all my alleged accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
I am writing to address a serious issue regarding account XXXX XXXX on my credit report that is reporting inaccurate information. The payment history for these accounts is entirely incorrect, with your company claiming that this account was charged off in XXXX when in fact my payments were deferred due to covid. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the CARES Act. There are different open dates being reported, as well as the date last active which is very crucial and looks as if it has been re-aged. I previously notified you that I would be seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Your response stating that XXXX had filed for protection under XXXX XXXX of the U.S. Bankruptcy Code in the XXXX XXXX XXXX XXXX does not address my concerns about the inaccurate reporting. Your response did not confirm or deny the incorrect information. This lack of resolution is unacceptable. XXXX has already deleted this account. I am requesting that you remove this information immediately from my credit report. Failure to do so will result in further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: OR

Complaint narrative:
A debt collector harassed me to the point I had to block his number. This is a debt that was paid in full. I called XXXX directly and we determined I do not owe them any more money. 

I am XXXX and in a XXXX XXXX. I live on XXXX XXXX. I pay my bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
To whom it may concern, I wanted to advise you that capital one fraud department is the abuser. I caught there actions yesterday. 

I won a very large dispute on my own because capital one denies denies denies and has held my returns from being credited to the account in the past and I caught them in the act yesterday I called the fraud department and told them I was disgusted that the merchant removed every single transaction and I won because I continued to fight for the equalivent to the amount of over XXXX I have photo proof it was posted as " purchase adjustment " " other '' on capital one 's statement which I am keeping private for now as they blatantly lied to me again and every single charge was listed from the merchant and I logged back in not even an hour later and GONE DEPLETED by capital one on XXXX different credit cards THEY PLAYED XXXX PLEASE LISTEN TO CALL I HAD WITH THEM AND LISTEN TO THE REASONING AND WHAT SHE SAID this is a huge breakthrough for all the blogs for all the reasoning why they are scammers but I had to prove this myself and I caught them. Literally and figuratively I AM BEING XXXX BY CAPITAL ONE every single consumer is also being XXXX by the system and I have proof. 

I AM XXXX WITH XXXX XXXX XXXX CONTACTED THE XXXX the XXXX and my XXXX lawyer. They are caught and I told them I'm done being a victim. I feel like I have been XXXX. XXXX and I feel ashamed I trusted them. 

This is on XXXX credit cards. 

I want nothing further to do with this company but I want my credit from XXXX XXXX for XXXX from last year they blocked and I want every single dispute I ever made to be available on my XXXX cards and I want a check mailed to me I can not believe I with this horrific XXXX caught this!!! 

I filed a police report against this neglect fraud scam and I have an attorney willing to take this on as a case due to these findings. No names are to be given at this time as they have the chance to fix this and leave me alone forever. 

I'm done being a victim. 

I do not find any of this amusing I also have more than XXXX photos of the fraud transactions reversed on the merchants web page as well. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
credit bureau reporting inaccurate information. I asked them to send me proof of original signed contract and they failed to do so

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 2025-02-17 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: MI

Complaint narrative:
These inquiries on my consumer report are unauthorized and I need them to be deleted please ; I recently spoke with XXXX XXXXXXXX and they submitted a inquiry removal to Experian but its been XXXX + and has not been removed Inquiry ( Experian and Equifax ) : XX/XX/XXXX XXXX XXXX XXXX Inquires ( Transunion ) : XX/XX/XXXX XXXX XXXX XX/XX/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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
On or around XX/XX/2025, I received an alimony payment from XXXX XXXX XXXX XXXX. Approximately XX/XX/2025, I cashed the check at XXXX grocery store. I produced the check to the clerk ; she ran the check through their system, she then handed the check back to me I signed my name, and the monies were given to me. On XX/XX/2025, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX indicating the check below was returned due to double presentment. This incorrect and fraudulent activity. I dispute all claims and demand this information to be removed form ChexSystems. 

as of XX/XX/2025 XXXX XXXX XXXX Check number XXXX Check dated XX/XX/2025 Check amount {$180.00} Check fee {$25.00} Total due {$210.00}

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 2025-02-17 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: NC

Complaint narrative:
Hello my name is XXXX XXXX XXXX. On my Experian account and other bureaus its showing XXXX " XXXX ''. I need assistance getting my name updated accordingly as I have had fraudulent activity occur in the past.

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 2025-02-17 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: NC

Complaint narrative:
Hello my name is XXXX XXXX XXXX. On my Experian account and other bureaus its showing XXXX " XXXX ''. I need assistance getting my name updated accordingly as I have had fraudulent activity occur in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to bring to your immediate attention a serious issue regarding my credit report. It has come to my notice that my personal information is being mixed with that of someone else, which has resulted in incorrect and misleading entries on my report. Specifically, an account that clearly does not belong to me has been mistakenly associated with my credit history.

Company response to consumer: Closed with non-monetary relief