vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-20 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-03-20 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | Presume that no proof of the alleged debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXXXXXX Balance {$200.00}XXXX XXXX XXXX XXXX balance {$110.00}, XXXX XXXX XXXX  XXXX Balance {$720.00}, Us Dept Ed Balance {$740.00} XXXX Balance {$150.00}, XXXX Balance {$350.00}, Us Department of Edu Balance {$740.00}, XXXX XXXX XXXX {$720.00}, XXXX Balance {$380.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | Presume that no proof of the alleged debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXXXXXX Balance {$200.00}XXXX XXXX XXXX XXXX balance {$110.00}, XXXX XXXX XXXX  XXXX Balance {$720.00}, Us Dept Ed Balance {$740.00} XXXX Balance {$150.00}, XXXX Balance {$350.00}, Us Department of Edu Balance {$740.00}, XXXX XXXX XXXX {$720.00}, XXXX Balance {$380.00}

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 2025-03-20 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 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 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 explanation
Consumer complaint received 2025-03-20 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-20 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: NC

Complaint narrative:
I filed a dispute on { XXXXXXXX XXXX XXXX XXXX } due to { i am requesting the description of reinvestigation procedure according to XXXX XXXX XXXX ( XXXX ) states if requested by consumer, this must be provided within XXXX  days in order to be in compliance with FCRA guideline. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a first house. Experian violates my rights as a consumer, as well as federal laws.

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 2025-03-20 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: GA

Complaint narrative:
these accounts are fraud. 

XXXX XXXX  # XXXX BALANCE {$430.00} XXXX XXXX XXXX # XXXX BALANCE {$430.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$15000.00} XXXX XXXX # XXXX BALANCE {$1500.00}

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 non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer 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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Be advised this is not a refusal to pay, but a noticed that pursuant to the fair debt collection offices act, XXXX XXXX XXXXXXXX stating your claim is disputed and validation is requested. 

This is not a request for verification or proof of mailing address but a request for Validation made pursuant to the above name title and section I respectfully request your office provides me with a competent evidence that I am legally obligated to pay. 
At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus XXXX XXXX XXXX or XXXX this action may constitute fraud under both federal and state laws. 


If any negative remark is found on my credit reports by your company or the company that you represent. I will not hesitate in bringing legal action against you and your client for the following : Violation of Fair credit reporting act : Violation of Fair debt collection practices and defamation character. 

If your offices are able to provide proper documentation as this request and the following declaration, I will require at least XXXX days to investigate this information during the time all collection activity must cease and desist. Also, during this validation, If any action is taken which is considered detrimental to any of my credit reports I will consult with my legal counsel for suit. This includes any listings of any information to the credit report repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within XXXX  days from the date of your receipt all references to this account must be deleted and completely removed from my credit file and a copy of such solution request shall be sent to me immediately.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is violating my rights under the Fair Credit Reporting Act ( FCRA ) in multiple ways : Equifax is preventing me from exercising my legal right to add a XXXX consumer statement to my credit report. The FCRA ( XXXX XXXX. XXXX ( b ) ) mandates that credit bureaus allow consumers to add a statement to disputed accounts. However, Equifaxs online system does not provide this option, which is deceptive and predatory. I have searched extensively, and no clear method exists to submit my statement electronically. This is an unfair practice that denies consumers the ability to provide context for disputed items. 

Equifax failed to conduct a reasonable reinvestigation of my dispute as required by FCRA XXXX ( a ). Instead of verifying the accuracy of the account with legitimate documentation, Equifax merely parroted the furnishers response without obtaining or reviewing original account records, such as a signed contract or full itemized accounting. This is a blatant violation of consumer rights, as credit bureaus have a duty to ensure reported information is accurate and substantiated. 

I demand the following actions : Equifax must immediately allow me to add a XXXX consumer statement online, as required by law. 
Equifax must provide proof of its reinvestigation process, including how it verified the disputed account and what documentation was reviewed. 
If Equifax can not prove that a legitimate reinvestigation took place, the disputed account should be deleted immediately. 
This failure to follow federal consumer protection laws is unacceptable. If not resolved, I will escalate this complaint to the FTC, my states Attorney General, and consider legal action for FCRA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I filed my tax refund in XXXX of XXXX. I was given a refund date for XX/XX/XXXX in the amount of {$15000.00}. When I received my tax refund check I went into a chase bank with whom I bank with on XX/XX/XXXX and was given a hold date for XX/XX/XXXX. On XX/XX/XXXX I received a notification that my Chase account was being restricted due to the check not being verified and possible fraudulent activity. The Chase fraud department told me to wait until XX/XX/XXXX for an update. I waited until XX/XX/XXXX and saw that the {$15000.00} was available in my account but my account was still restricted due to the check not being verified. On XX/XX/XXXX a Chase representative informed me that they received an initial response from the U.S Treasury Department stating that the check was in fact valid. They then said that the Treasury Department sent a second email stating that the check was not valid. I was then told that Chases backend verification team sent out a third email to verify the check legitimacy and that the response would take up to XXXX hours. The first representative from Chases Fraud Department told me that the third email was sent out on the day prior which was XX/XX/XXXX, and that they would have a respond from the Treasury Department by XXXX p.m on XX/XX/XXXX. That was not the case. When I contacted Chase again on XX/XX/XXXX around XXXX p.m they told me that the third verification email was sent out on XX/XX/XXXX instead of XX/XX/XXXX and that they would have a response by XXXX a.m the next day ( XX/XX/XXXX ). When I contacted Chase again on XX/XX/XXXX i was escalated to a fraud department supervisor i was told the the third verification email was sent out at XXXX on XX/XX/XXXX instead of both of the dates the previous representatives told me and to call back around the time later on XX/XX/XXXX for a response. I have spoken with the IRS and was ensured that the tax refund that I received was not canceled on their end and to contact the XXXX XXXX XXXX XXXX ( The Treasury Department ) in regards to this situation. When I spoke with the XXXX XXXX XXXX XXXX they also informed me that the check I received was in fact valid and that the fund were already cashed and verified and that they saw the deposited check with my signature and Chases endorsement on the back. They told me to Contact Chase again in regards to this matter because everything looks good on their end. XXXXm beginning that Chase is holding my funds for other respond and theyre giving me the round around about a legal check that they can also verify through a site provided only to banks. I feel that they are not handling this situation correctly. I am currently in the process of moving was depending on those funds in order to do that. If by XXXX on XX/XX/XXXX they havent lifted the restriction on my account I will be taking legal action again Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am not able to close my account. I can't visit a branch and the hold times are ridiculous. There does not appear to be a way to do it via secure message or chat, which is ridiculous in 2025.

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 2025-03-20 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-20 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: VA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.

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 2025-03-20 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: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
My full first name is : XXXX, last name is : XXXX, and it is abbreviated as : XXXX, but my school loans were under my full name, so I wanted to ensure that was provided so that this could be adequately addressed. There is on file with attachment the account number that I had with Navient, so there's no ability to make it seem like Navient wasn't my previous servicer, because they were and this account information corroborates that. 

I was able to find my Navient information, of which I was included in the class action, but never received any payout in the nationwide litigation against Navient, so this document shows that Navient did handle my loan and I shouldn't have been excluded, nor did I file for exclusion, so I would like to be compensated as everyone else that was with Navient and their settlement.

Company response to consumer: Closed with explanation