vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: NC

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.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall, follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information, ( A ) in in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer or modify that item of of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Delete accounts, Account Name : XXXX  XXXX, Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: OK

Complaint narrative:
Experian is reporting the same garbage information regarding my XXXX XXXX accounts, and XXXX beyond frustrated. Specifically, XXXX XXXX  account number XXXX XXXX XXXX is being reported with a balance and past due amount of {$0.00}, and account number XXXXXXXX XXXX XXXX is being shown with a reported past due amount of {$0.00}. Again, this is simply not true, and there is no legitimate past due balance. These remarks are utterly false and tarnishing my credit, all while Im left wondering how this was allowed to happen in the first place.

In this day and age of constant data breaches and ongoing security issues, its not hard to imagine that these errors may have originated from mishandled or corrupted data. But that doesn't excuse the fact that Experian allowed this information to remain on my credit report, causing harm that could have serious consequences for my ability to access credit, loans, and even housing.

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 2025-05-07 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
XXXX, XXXX and XXXX i was incarcerated I need it all token off for those years. I have police reports.

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 2025-05-07 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: IL

Complaint narrative:
XXXX, XXXX and XXXX i was XXXX I need it all token off for those years. I have police reports.

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 2025-05-07 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:
XXXX, XXXX and XXXX i was XXXX  I need it all token off for those years. I have police reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-05-07 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: AZ

Complaint narrative:
Consumer Name XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
Experian is reporting a collection for XXXXXXXX XXXX XXXXXXXX, account number XXXX, with a balance of {$0.00}. This is not only inaccurate but also misleading. Reporting a collection account with a XXXX balance is both confusing and damaging, as it creates the false impression that I have a history of delinquency when, in fact, there is no outstanding debt. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and reflects a serious failure to maintain accurate and up-to-date information. 

Given the widespread issues with data integrity and the ongoing risk of data breaches, it is entirely possible that this error is the result of mishandled or corrupted data. It is unacceptable for Experian to report this kind of misleading and potentially damaging information without proper verification. This reckless reporting undermines the accuracy of my credit profile and unjustly impacts my financial reputation.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I took a look at my credit report and on XX/XX/XXXX, XXXX ive noticed an inaccurate late payment from XXXX XXXX This account shouldve just been closed and no late payments should be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint due to inaccurate negative information reported on my consumer credit report by XXXX XXXX XXXX XXXX, AND XXXX maintained by Experian. 

Upon my review, I found that the creditor failed to comply with several provisions of TILA 15 USC XXXX ( b ) and the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXXn ) regarding billing error corrections and reporting accuracy. These violations have caused unwarranted damage to my credit profile. 

XXXX. Creditor : XXXX XXXX  Account XXXX  : XXXX Issue : Reported as late : however, creditor did not provide a proper billing statement XXXX  days before the due date as required by TILA 15 USC XXXX ( b ) ( XXXX ). 
Dates : XXXX, XXXX, XXXX, XXXX ( XXXX ) XXXX. CREDITOR : XXXX  Account XXXX : XXXX Issue : A computation error or incorrect balance reporting, in violation of TILA 15 USC XXXX ( b ) ( XXXX ) XXXX. Creditor : XXXX Account XXXX XXXX XXXXXXXX Issue : Reported as late : however, creditor did not provide a proper billing statement XXXX days before the due date as required by TILA 15 USC XXXX ( b ) ( XXXX ). 
Dates : XXXX ( XXXX ), XXXX and XXXX ( XXXX ), XXXX and XXXX ( XXXX ) LEGAL BASIS FOR COMPLAINT : -Truth in lending ac ( TILA ) 15 USC XXXX ( b ) : ( XXXX ) Failure to reflect accurate payment by XXXX. 

( XXXX ) Computation or similar accounting errors on the billing statement. 

XXXXFair Credit Reporting Act ( FCRA ) - 15 U.S. CXXXXe XXXXn : Willful or negligent failure to correct inaccurate information, subjecting the institution to monetary, punitive damages, and attorney 's fees.

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 2025-05-07 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: TX

Complaint narrative:
I am submitting this complaint due to inaccurate negative information reported on my consumer credit report by XXXX XXXX XXXX XXXX, AND XXXX maintained by Experian. 

Upon my review, I found that the creditor failed to comply with several provisions of TILA 15 USC XXXX ( b ) and the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXXn ) regarding billing error corrections and reporting accuracy. These violations have caused unwarranted damage to my credit profile. 

XXXX. Creditor : XXXX XXXX  Account XXXX  : XXXX Issue : Reported as late : however, creditor did not provide a proper billing statement XXXX  days before the due date as required by TILA 15 USC XXXX ( b ) ( XXXX ). 
Dates : XXXX, XXXX, XXXX, XXXX ( XXXX ) XXXX. CREDITOR : XXXX  Account XXXX : XXXX Issue : A computation error or incorrect balance reporting, in violation of TILA 15 USC XXXX ( b ) ( XXXX ) XXXX. Creditor : XXXX Account XXXX XXXX XXXXXXXX Issue : Reported as late : however, creditor did not provide a proper billing statement XXXX days before the due date as required by TILA 15 USC XXXX ( b ) ( XXXX ). 
Dates : XXXX ( XXXX ), XXXX and XXXX ( XXXX ), XXXX and XXXX ( XXXX ) LEGAL BASIS FOR COMPLAINT : -Truth in lending ac ( TILA ) 15 USC XXXX ( b ) : ( XXXX ) Failure to reflect accurate payment by XXXX. 

( XXXX ) Computation or similar accounting errors on the billing statement. 

XXXXFair Credit Reporting Act ( FCRA ) - 15 U.S. CXXXXe XXXXn : Willful or negligent failure to correct inaccurate information, subjecting the institution to monetary, punitive damages, and attorney 's fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NV

Complaint narrative:
We had XXXX accounts closed with JP Morgan Chase Bank, XXXX checking accounts, and XXXX savings accounts. Chase decided to close our accounts without an explanation, stating that they did not want to continue doing business with us. This was on XX/XX/year>. My husband and I then went into a branch, and they stated that a check would be issued within 2 weeks, and they didn't see an issue with our accounts, and we should receive the checks in about 10 business days from then. They also stated that we will receive an email with the tracking number for the check. By XX/XX/XXXX, we still hadn't received any emails or information regarding the checks being issued. We decided to wait another 4 weeks to see if anything would come. On XX/XX/XXXX, we called Chase and were on hold for 20 minutes for them to come back to tell us that the money still hasn't been sent out, and to give them a call back in 2 weeks. Instead of calling back, we decided to reach out to CFPB to hopefully get our money back. We are to get {$9700.00} back that was in our account. It has now been 10 weeks and we haven't received any communication from Chase or our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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.

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 non-monetary relief
Consumer complaint received 2025-05-07 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: NY

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.

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 explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MO

Complaint narrative:
Self continues to report inaccurate information to the credit bureaus and its negatively impacting my credit score. The limit is incorrect .. the pay history is also incorrect In accordance with the Fair Credit Act you have violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 15. U.S.C 1692 ( C )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, XXXX I paid {$1300.00} using a XXXX Citibank credit card to XXXX XXXX XXXX in XXXXXXXX XXXX 

This payment was supposed to fix a " Check Engine '' light on a XXXXXXXX XXXX XXXX XXXXXXXX. Upon receiving the car, the problem continued the next day. This issue had been repeating for many days without the repair shop being capable of fixing it completely. 

I could no longer trust them nor continue to be without transportation for days. I then contacted the owner, explained the situation but did not meet his commitment to call me back. 

I then disputed the charge with the Citibank, sent Citibank letters and after 3 months and letters explaining my dispute, they sided with the merchant. Despite being a loyal Citibank customer and heavily using the account, they do not value my business, hence this dispute with CFPB for help and guidance. 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 monetary relief
Consumer complaint received 2025-05-07 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: IL

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2025-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: NY

Complaint narrative:
Bioreference laboratories has an address on file for me that does not exist. They appear to have sent my account to a predatory debt collection agency that is now harassing me by XXXX text message with attachments charging my phone while I am away internationally in violation of the Fair Debt Collection Act. I emailed XXXX who refused to validate the debt or give me an option to pay the alleged debt directly to them. They have an address for me that does not exist and is not my current address. I never received any bill and am now being given an inflated bill without validation from a XXXX XXXX debt collector. I wish to pay the original creditor and have them keep accurate records and have this scum of the earth debt collector have an injunction to NEVER contact me again : Receivables Management Partners , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation