vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report, as these errors are having a direct and substantial negative impact on my financial standing and creditworthiness. Despite multiple previous attempts to resolve these issues, these same errors continue to appear, thereby impeding my ability to obtain credit and other essential financial opportunities. These recurring mistakes are not only damaging my credit score, but are actively hindering my economic stability and future prospects. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to investigate and correct any inaccuracies on my credit report. Furthermore, these errors are in direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of the information they report.

Additionally, I am invoking 15 U.S. Code 1666 ( b ) under the Truth in Lending Act ( TILA ), which addresses billing errors, including the creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor, as well as computation errors or similar errors on a statement. You are obligated to correct these errors promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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

Complaint narrative:
UPON OPENING MY CREDIT REPORT I REALIZED THAT THERE WERE INCORRECT UNAUTHORIZED INFORMATION ON MY CREDIT XXXX XXXX XXXX XXXX XXXX VA XXXX ( Address ) XXXX XXXX XXXX, XXXX VA XXXX ( Address ) XXXX XXXX ( Employment )

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 2025-05-05 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: OH

Complaint narrative:
UPON OPENING MY CREDIT REPORT I REALIZED THAT THERE WERE INCORRECT UNAUTHORIZED INFORMATION ON MY CREDIT XXXX XXXX XXXX XXXX XXXX VA XXXX ( Address ) XXXX XXXX XXXX, XXXX VA XXXX ( Address ) XXXX XXXX ( Employment )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX * * * * - XXXX - XX/XX/XXXX - {$1600.00} XXXX * * * * - XXXX XXXX - XX/XX/XXXX - {$15000.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$960.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$660.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$0.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$0.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$0.00} EMPLOYER - XXXX XXXX EMPLOYER  - XXXX XXXX XXXX EMPLOYER - XXXX XXXX

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

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX * * * * - XXXX - XX/XX/XXXX - {$1600.00} XXXX * * * * - XXXX XXXX - XX/XX/XXXX - {$15000.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$960.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$660.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$0.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$0.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$0.00} EMPLOYER - XXXX XXXX EMPLOYER  - XXXX XXXX XXXX EMPLOYER - 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: KY

Complaint narrative:
Background check shows a XXXX  as a XXXX. Have an XXXX  XXXX showing as a XXXX  on my background

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
Company allowed a fraudulent transaction and refused to refund my security deposit for {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-05-05 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: VA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After review my credit reports, I have notices some accounts that I am not familiar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information that I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, the copy of my XXXX report showing my information being exposed in a national data breach and validation of debt letter.

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 2025-05-05 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: 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 XXXX 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report, as these errors are having a direct and substantial negative impact on my financial standing and creditworthiness. Despite multiple previous attempts to resolve these issues, these same errors continue to appear, thereby impeding my ability to obtain credit and other essential financial opportunities. These recurring mistakes are not only damaging my credit score, but are actively hindering my economic stability and future prospects.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to investigate and correct any inaccuracies on my credit report. Furthermore, these errors are in direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of the information they report.

Additionally, I am invoking 15 U.S. Code 1666 ( b ) under the Truth in Lending Act ( TILA ), which addresses billing errors, including the creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor, as well as computation errors or similar errors on a statement. You are obligated to correct these errors promptly.

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 2025-05-05 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: 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : 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 XXXX 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 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 OF XXXX - XXXX XXXX FCU - XXXX XXXX XXXX - XXXX XXXX FCU - XXXX XXXX - XXXX List of Unauthorized Inquiries : 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 XXXX 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 2025-05-05 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: MOHELA
State: TX

Complaint narrative:
The companies listed Mohela XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( their addresses change frequently once you report them ) Educational Computer System XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX keep in mind they may all be related to one another, but have different addresses ) are among predatory companies who are manufacturing student loan data that they collect from public records of bankruptcies, breached data from credit bureaus or other companies. They send letters with false content and demand for money to gain money not owed to them for financial gain. Many of the letters impersonate the Dept of Education and they look official. Some contend debt was assigned to them, and the debt never existed or is wiped out ( depending on the company ).

Providing any type of letters of materials or proof allows them to replicate this information and pretend the data is legitimately from their office. Please investigate each of these companies. I have 7 recordings from three of the companies, proving their fraudulent activities. They prey on people and continue to change names and addresses once you contact them. Some of them are pretty savvy and have full-operations around the country with unscrupulous employees helping to create this scam. They've made millions of dollars and continue to take advantage of any opportunity to defraud consumers, the govt, the IRS, and many other entities. They are conducting fraudulent business and practices, while getting rich.

This must stop.... please, please, please investigate each of them.

CC ; FTC, Attorney General Office, FBI, Dept of Education, IRS, local police dept ( where applicable )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NJ

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-05 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
TO WHOM IT MAY CONCERN, AN ACCOUNT APPEARED ON MY CREDIT REPORT UNDER THE NAME JPMCB ( JPMORGAN CHASE BANK ). THIS ACCOUNT IS UNAUTHORIZED AND DOES NOT BELONG TO ME. I DID NOT APPLY FOR, OPEN, OR AUTHORIZE THIS ACCOUNT IN ANY FORM, AND I AM REQUESTING ITS IMMEDIATE INVESTIGATION AND REMOVAL. UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), I AM REQUESTING THAT YOU CONDUCT A FULL INVESTIGATION OF THIS ACCOUNT. IF IT CAN NOT BE VERIFIED AS ACCURATE AND AUTHORIZED, IT MUST BE DELETED FROM MY CREDIT LINE. IF YOU FIND THIS ACCOUNT TO BE FRADULENT OR UNVERIFIABLE, I REQUEST THAT YOU REMOVE IT FROM MY REPORT AND SEND ME WRITTEN CONFIRMATION ONCE THE PROCESS IS COMPLETE. IF THE ACCOUNT WAS THE RESULT OF IDENTITY THEFT, I AM PREPARED TO FILE A POLICE REPORT AND COMPLETE AND IDENTITY THEFT AFFIDAVIT, IT NECESSARY. PLEASE BE ADVISE I DID NOT GIVE JPMCB CARD SERVICE OR ANY OTHER THIRD PARTY AUTHORIZATION TO PULL MY CREDIT REPORT. I NEVER HEARD OF JPMCB CARD SERVICE.

Company response to consumer: Closed with explanation