vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: WI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CITIBANK, N.A.
State: NV

Complaint narrative:
To whom it may concern, I am writing to express my severe dissatisfaction regarding the outstanding payment on my account with your company, which is now significantly overdue. The original payment due date, has come and gone, and I have yet to see any action taken on your end to address this issue. This delay is entirely unacceptable, and I demand an immediate resolution. 

Account number : XXXX Date XXXX : XX/XX/year> Balance : {$1000.00} I have made repeated efforts to reach out to you for clarification, but your continued failure to respond or resolve this matter is both frustrating and unprofessional. The balance in question, {$1000.00}, has been overdue for months, and my patience is wearing thin. 
If this payment is not received in full by end of this month, I will not hesitate to take further action. This may include but is not limited to escalating the matter to a collections agency, pursuing legal action, and reporting this non-payment to relevant credit bureaus. Please be aware that such actions will be taken with no further notice, and I will hold your company fully responsible for any financial or reputational damage this may cause.

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 2025-03-05 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX 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 explanation
Consumer complaint received 2025-03-05 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX EMPLOYEE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Charged off XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6500.00} Charged off XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Collection XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Date Opened:XXXX Balance Owed : {$0.00} Collection Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX EMPLOYEE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Charged off XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6500.00} Charged off XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Collection XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Date Opened:XXXX Balance Owed : {$0.00} Collection Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 as proof from the US Federal Trade Commission that all 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 2025-03-05 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: AL

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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 formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I paid my statement balance to the XXXX XXXX {$3500.00}. That was the total due at the time I had the certified check mailed. When I called to request a paid in full letter and asked them to update my account I was transferred to Transworld systems and a person Name XXXX was very rude stated that she will not send me the letter verification that I paid in full until I pay her collection fees. The statement didn't include collection fees the statement had the balance I owed and that is what I paid. The are =damaging my credit by keeping the negative balance on my credit after I paid the debt in full,. They are reporting in accurate information. I Pid in full on XXXX send the payment overnight to Transworld systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I asked them to provide me with these documents and they never did.

1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.

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 2025-03-05 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I noticed I wasnt paid from my direct deposit. I called Chase and they said that they had closed my account. Ive been a member since XXXX  and have never been a suspicious user or ever committed any fraudulent activity. I called the customer support number and asked what was the reason I havent received my check. They told me The account has been closed, you also cant open another account with Chase. I asked them to give me a reason the account was closed and they said there is no reason. As you can guess I was furious. I headed to a branch and they wont even let me withdraw my funds. I am not able to pay any of my bills without that money. I cant get to the money that Ive worked for. And now Im being buried in unnecessary extra debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: AZ

Complaint narrative:
Letters were sent to XXXX on XX/XX/year> via certified mail to XXXX. They had received the Certified letters with copies of identification and utility bill for proof with all items that were in dispute. 

I have not received any letter or response regarding my disputes within the 30 day period and are in violation of Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

They have not provided how they verified the information and I am demanding Equifax to remove inaccurate and unverifiable information of that which includes : Any variation of my name of other than my full name, they have one variation that is inaccurate after being provided proper identification for proof.

Any address that is not of the identification that I provided them and calling into question how can they verify that address and since it's unverifiable it is their responsibility to remove it, they have 2 that are inaccurate per the record I pulled and If they have any further beyond the identification for proof I supplied, should be removed. They were also advised that I was not provided an opportunity to opt out of and un-authorized reporting and have contacted any current, prior or future reporting as required under 15 US Code 6802 and are still continuing to report as such. They are also in violation for inaccuracies 15 US Code 1681S-2 and 15 US Code 1681c. They have not provided the evidence that the payments were late, terms of agreement and the exact amount and how it was calculated. They have multiple other violations regarding credit reporting inaccuracies that are different across all reporting bureaus. This is a violation of 15 USC 1681s-2 and 15 USC 1681c . Again they did not provide method of verification and these inaccuracies are harmful to me.

Exquifax clearly is not doing proper investigation and I am demanding for everything to be rectified with them. They have been sent another letter not only to them but also to their legal department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: IL

Complaint narrative:
I received an email from Credit Control LLC on behalf of XXXX  regarding a fraudulent account. On the email it had someone else 's address. This account does not belong to me and I'm prepared to go to court.

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 2025-03-05 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX 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 explanation
Consumer complaint received 2025-03-05 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union for improperly denying my dispute regarding a fraudulent and unsafe experience at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) during my stay from XX/XX/XXXX - XX/XX/year>. 

I initially disputed this charge because of multiple issues, including a serious safety violation at the XXXX XXXX XXXX XXXX where I was nearly burned due to staff negligence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This was witnessed by my husband and another guest XXXX XXXX XXXX XXXX, who expressed concern and advised me to report the incident. 

That same evening, I reported the incident to the resort 's front desk, but despite multiple follow-ups via email, the resort has ignored my requests for accountability. 


Beyond this XXXX XXXX XXXX my stay was plagued by service failures and misrepresentation, including : Non-functional air conditioning for four out of five days of my stay ( despite repeated complaints ).

XXXX XXXX  at the resort that was not disclosed at the time of booking, leading to a poor and unsafe environment.

Inadequate and unsafe dining conditions, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
Unavailable resort amenities that were promised in writing but were closed or non-functional. 


I submitted extensive documentation to Navy Federal in support of my dispute, including : A detailed statement outlining the safety incident and service failures An eyewitness account from my husband describing the XXXX XXXX XXXX Copies of my emails to the resort showing my efforts to resolve the issue Photos of construction-related issues, resort conditions, and food safety hazards Despite this overwhelming evidence, Navy Federal denied my dispute twice, citing that services were rendered and there was no record of cancellation. This response completely ignores the fact that the services were unsafe, misrepresented, and that the resort failed to fulfill their obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: AL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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