vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection accounts XXXX  XXXX  To Whom it May Concern, This is a formal request for validation of the alleged debt, pursuant to the Fair Debt Collection Practices act ( FDCPA ) ,15 U.S Code 1692g.

Please provide original signed contract and a full chain of assignment -- -Including proof that you lawfully own this debt and have the right to collect. 
If the debt was securitized and sold to a trust, then you must prove ownership, not just servicing rights Until then, cease all collection activity and communication Validate debt Purchase aggreement Proof of original debt Documentation showing amount Owned terms of aggrement Transfer of rights Sale of aggrement from original creditor to the collector Chain of assignments Documentation of transfer Notice of assignment-Informing the consumer about transfer Forward flow agreement Chain of custody Chain of title Bill of sale Original contract with my signature Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: OCEANFIRST FINANCIAL CORP.
State: NJ

Complaint narrative:
I opened a loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX, XX/XX/XXXX for {$45000.00}. I closed it on XX/XX/XXXX. I paid all fees and paid off the remainder of the loan. About a year ago I received checks and statements from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an equity loan in the amount of {$30000.00}. I didn't think much of it. I never applied for a loan with them. I just thought it was a mistake or advertisement. Now I think this is a scam. They had my info from XXXX XXXX XXXX and used it to reopen a CLOSED loan. They closed the loan, in XXXX because of non- use. They want payment to remove a lien for a loan I never applied for. I went to the bank and spent a lot of time there and they took copies of all my paper work. They said it could take a while but just ignore any further correspondence. This was over a month ago and they are still sending bills and statements. I had a conversation with someone yesterday and bottom line is they want {$45.00}, or I will continue to hear from them. I think this is a scam to entice people to use money they didn't apply for. I do not think I am the only person that had old loans resurrected without permission. I would appreciate any help you can give me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
I am formally requesting the immediate deletion of the following closed and derogatory account from my credit report with TransUnion. 
The account is reporting inaccurate, incomplete, and unverifiable information, which violates my rights under the Fair Credit Reporting Act ( FCRA ) 609 ( a ), 611, and 623.

I previously requested verification and documentation for this account including a signed contract and full payment records which have not been provided as required by law. 
Because this account remains unverifiable and inaccurate, I demand that it be immediately removed from my credit report. 
Account Details : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX * * * * I request written confirmation of removal within XXXX business days.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions.

I am writing to you as the holder of account number # XXXX for my credit card, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX  XXXX XXXX XX/XX/2025 I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Thank you for your attention to this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report, I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX posted on my Equifax account that I had a charge off account that I still owe 100 % of but shows balance of XXXX I never received a 1099 if it is a charge off account and Equifax did not investigate it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXXXX/XX/year>

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 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: JPMORGAN CHASE & CO.

Complaint narrative:
In XXXX last year, I used up all the money in my checking account and didn't transfer any from my savings account. So Chase closed my checking account.

After it was closed, the " saving '' account could neither be transferred nor used for payments such as XXXX XXXX or XXXX. I asked around the customer service, and they told me to open a checking account in the US. But I really don't have time to come back US because I return to XXXX last XXXX. 
Later, they said I could close the account and the remaining money more than XXXX dollars would be sent to the card address in the form of a check. So I request close the saving account on XX/XX/XXXX. The address I left was the student dormitory where I lived in the XXXX university and I had already made contact with them. However, after contacting to close the account, I still haven't received the check now. I called Chase 's customer service, but they kept passing the buck. In the end, the problem still wasn't solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I want to be unequivocalthis complaint is not being submitted in error. My credit report contains inaccurate information that violates the legal requirement for maximum possible accuracy. These errors are inflicting ongoing harm on my financial health and overall well-being. This situation is entirely unacceptable. The burden it has placed on me, particularly during already difficult circumstances, demands immediate and corrective action without delay.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a formal debt validation request to XXXX XXXX XXXX regarding an alleged XXXX XXXX account ending in XXXX. The request asked for a signed contract, an itemized breakdown of the debt, and proof of legal authority to report and collect. 

No documents or verification were ever provided. 

On XX/XX/XXXX, I filed a Motion to Dismiss in court ( Docket # XXXX ) due to failure to validate. On XX/XX/XXXX, I sent a Final Legal Notice warning that I would file a CFPB complaint if no response was received. 

As of today, they continue to report this account to all three credit bureaus ( XXXX XXXX XXXX XXXX ) in violation of : FDCPA 809 ( b ) FCRA 623 15 U.S.C. 1681s-2 This account remains unverified, unvalidated, and inaccurately reported. I am requesting full deletion of the tradeline, termination of all collection activity, and immediate correction across all reporting agencies. 
For documentation purposes, I respectfully request that all communications regarding this complaint be conducted via email

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Several companies have accessed my credit report without authorization, harming my credit. Despite prior assurances that these inquiries would be removed, they remain. This inaction is unacceptable and raises serious concerns of identity theft. I demand an immediate investigation and prompt removal of all unauthorized entries.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Unauthorized access to my credit report has damaged my credit. Despite prior assurances, the inquiries remain. This inaction is unacceptable and raises concerns of identity theft. I demand immediate investigation and removal of all unauthorized inquiries.

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