vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 16811 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
2. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

- [ ] Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supportina documents are aispute with the utmost seriousness and compliance with legal standards. 
A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XX/XX/year> a XXXX was sent in error. I requested a refund from the recipient they refused and then notified JpMorgan chase they refused to investigate or refund my money. I ultimately ended up filing a small claim and never received my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
I not recognize this inquiries in my credit report XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
Despite my previous disputes, the creditor continues to knowingly and willingly report false information, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Here is the breakdown of the discrepancies : XXXX : Shows two late payments ; one for 30 days another for 60 days. XXXX : Shows one 30-day late payment. TransUnion : Shows two late payments ; one for 30 days another for 60 days. This inconsistent reporting not only demonstrates a lack of compliance but also indicates intentional misconduct. Furthermore, there should not be any late payments associated with this account. The creditors deliberate actions are causing undue harm to my credit profile and financial well-being, as this inaccurate reporting has adversely impacted my credit score and my ability to secure financial opportunities. Under 15 U.S. Code 1681s-2, creditors are obligated to report accurate and consistent information to credit reporting agencies. The continued failure to do so, despite prior disputes, is not only negligent but also a willful violation of federal law. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " 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. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. The same information should be reported across all three credit reporting agencies.

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 2025-03-09 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: GA

Complaint narrative:
Despite my previous disputes, the creditor continues to knowingly and willingly report false information, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Here is the breakdown of the discrepancies : Experian : Shows two late payments ; one for 30 days another for 60 days. XXXX : Shows one 30-day late payment. XXXX : Shows two late payments ; one for 30 days another for 60 days. This inconsistent reporting not only demonstrates a lack of compliance but also indicates intentional misconduct. Furthermore, there should not be any late payments associated with this account. The creditors deliberate actions are causing undue harm to my credit profile and financial well-being, as this inaccurate reporting has adversely impacted my credit score and my ability to secure financial opportunities. Under 15 U.S. Code 1681s-2, creditors are obligated to report accurate and consistent information to credit reporting agencies. The continued failure to do so, despite prior disputes, is not only negligent but also a willful violation of federal law. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " 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. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. The same information should be reported across all three credit reporting agencies.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After my previous complaint there has been no documentation supporting the incorrect address reporting to my credit profile ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account

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 2025-03-09 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: GA

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX regarding the repossession of my vehicle, which I believe was conducted in violation of both state and federal laws, as well as the Uniform Commercial Code ( UCC ) 9-616. 

Background Information : Vehicle Make and Model : XXXX XXXX Account Number : XXXX Date of Repossession : XX/XX/2019 According to UCC 9-616, a secured party is required to send a written notification to the borrower after the sale or disposal of collateral ( in this case, my vehicle ). This notification must include : 1. The amount for which the collateral was sold. 
2. An explanation of how the deficiency balance was calculated. 
3. A statement of any surplus or remaining balance owed. 
I never received any such notification detailing the sale of my vehicle or an explanation of how the deficiency balance was determined. This failure to provide the required notice leads me to believe that either : No attempt was made to comply with the requirements of UCC 9-616, or The sale was conducted improperly and without transparency. 
Under UCC 9-616, if the secured party does not send proper notice, they forfeit the right to collect any deficiency balance. As a result, any attempt to collect or report a deficiency balance to credit bureaus is unlawful. 
In addition to the violation of UCC 9-616, the repossession of my vehicle appears to have been conducted in violation of state and federal laws regulating : Fair Debt Collection Practices Act ( FDCPA ) which prohibits misleading or unfair practices in debt collection. 
State-specific repossession laws which may require additional notices or procedures that were not followed. 
Since the dealership failed to send proper notice, they are not legally entitled to the deficiency balance. This also makes the reported repossession null and void, constituting an illegal repossession. 
I respectfully request that XXXX XXXX XXXX take the following actions immediately : 1. Cease all collection efforts related to the alleged deficiency balance. 
2. Withdraw any negative reports submitted to credit bureaus regarding the repossession and deficiency balance. 
3. Provide a written explanation of the actions taken in response to this complaint. 
4. Compensate for any damages resulting from this unlawful repossession and negative reporting.

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 2025-03-09 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: GA

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX regarding the repossession of my vehicle, which I believe was conducted in violation of both state and federal laws, as well as the Uniform Commercial Code ( UCC ) 9-616. 

Background Information : Vehicle Make and Model : XXXX XXXX Account Number : XXXX Date of Repossession : XX/XX/year> According to XXXX XXXX, a secured party is required to send a written notification to the borrower after the sale or disposal of collateral ( in this case, my vehicle ). This notification must include : 1. The amount for which the collateral was sold. 
2. An explanation of how the deficiency balance was calculated. 
3. A statement of any surplus or remaining balance owed. 
I never received any such notification detailing the sale of my vehicle or an explanation of how the deficiency balance was determined. This failure to provide the required notice leads me to believe that either : No attempt was made to comply with the requirements of UCC 9-616, or The sale was conducted improperly and without transparency. 
Under UCC 9-616, if the secured party does not send proper notice, they forfeit the right to collect any deficiency balance. As a result, any attempt to collect or report a deficiency balance to credit bureaus is unlawful. 
In addition to the violation of UCC 9-616, the repossession of my vehicle appears to have been conducted in violation of state and federal laws regulating : Fair Debt Collection Practices Act ( FDCPA ) which prohibits misleading or unfair practices in debt collection. 
State-specific repossession laws which may require additional notices or procedures that were not followed. 
Since the dealership failed to send proper notice, they are not legally entitled to the deficiency balance. This also makes the reported repossession null and void, constituting an illegal repossession. 
I respectfully request that XXXX XXXX XXXX take the following actions immediately : 1. Cease all collection efforts related to the alleged deficiency balance. 
2. Withdraw any negative reports submitted to credit bureaus regarding the repossession and deficiency balance. 
3. Provide a written explanation of the actions taken in response to this complaint. 
4. Compensate for any damages resulting from this unlawful repossession and negative reporting.

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 2025-03-09 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXXXXXX

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 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Chex systems, block information appearing on my chex systems 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 Source of Information : XXXX XXXX XXXX XXXX XXXX # : XXXX / XXXX Original Charge Off Amount : {$600.00} Closure Status : UNPAID Source of Information : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX / XXXX Original Charge Off Amount : {$330.00} These fraudulent accounts have resulted in me being unable to open a bank account. 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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer bank accounts and inquiries are the result of identity theft and fraud.

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 2025-03-09 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: IA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: PA

Complaint narrative:
Multiple fraudulent inquiries were on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: MI

Complaint narrative:
, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXXXXXX

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 2025-03-09 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: MD

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 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 's 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 explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
To Whom It May Concern, I am writing to formally request validation of the alleged debt referenced above, as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I recently received communication from your company regarding this debt, and I request that you provide the following information before I take any further action : 1. Proof that Transworld Systems Inc. has the legal authority to collect this debt.

2. A copy of the original contract or agreement that legally obligates me to pay.

3. A complete itemized accounting of the debt, including the original balance, any interest, fees, or additional charges added, and how the total amount was calculated.

4. The name and address of the original creditor and proof that the debt has been assigned or sold to your company.

5. Documentation proving that the debt is within the statute of limitations for collection in my state.

Until this debt is properly validated, I request that you cease all collection activities, including reporting this debt to credit bureaus, as unverified debts should not be reported.

If you can not provide proper validation of this debt, I request that it be removed from my credit report immediately and that no further collection attempts be made. Please respond to this request within 30 days of receipt.

This letter serves as a formal dispute of the debt. Any attempt to collect an unverified debt may violate federal law. I expect a timely response and appreciate your cooperation in resolving this matter.

Company response to consumer: Closed with explanation