vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b 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! 15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-29 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: Checkr, Inc
State: SC

Complaint narrative:
I am reporting Checkr, Inc. for including inaccurate and prohibited public records in my employment background reports. These reports were sent to XXXX, XXXX, and XXXX, and resulted in job denial and harm. 

Checkr reported sealed XXXX XXXX XXXX from XXXX, despite XXXX  XXXX XXXX ( XXXX XXXX XXXX ) which legally prohibits such data from being shared with private employers. 

They included dismissed XXXX XXXX XXXX  XXXX  from XXXX, which should have been expunged automatically under XXXX. XXXX. 

Checkr listed a fabricated XXXX XXXX vehicle accident that does not exist on my DMV record. I provided official proof from the XXXX  DMV showing no such incident. 

These public record errors were disputed and documented, but Checkr failed to correct or remove them for over 181 days violating FCRA 1681e ( b ), 1681c, 1681k, and 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$98.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Dear CFPB, Reference : XXXX  - amount {$670.00} by Transworld System. I am writing to formally address an issue I have encountered with Transworld, a collection agency that has placed an invalid negative collection on my credit report. Back there in XXXX  there was another agency trying collect same debt which I found out was related to my previous address. This action appears to be a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( 5 ) and 15 USC 1692c. Despite my repeated attempts to resolve this matterthrough multiple today phone calls Tranworld has failed to remove the inaccurate information from my credit report, instated was trying to obtain my cc # to proceed with {$1.00} charge to pull my credit history. The whole incident has caused significant distress and adversely affected my credit score in a drop of XXXX. Please review kindly request that the CFPB investigate this matter as I believe my rights under the FCRA have been violated.. Thank you for your attention to this serious issue. I look forward to your prompt response. Sincerely, XXXX XXXX [ Attachments :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Recieved about the XXXX call from CallerID today XXXX XXXX and decided to pick it up to see what the scam was ( previosly either had call or hung up on callers as follows XX/XX/XXXX ID Chase Bank XXXX XXXX XXXX, Chase on XX/XX/XXXX XXXX XXXX Chase % XX/XX/XXXX XXXX, XXXX Chase XXXX ). so the person on the call said sghe was XXXX from Chase XXXX and was asking if i had used my chase bank card in last XXXX digit of my XXXX in XXXX. I was suspicious and said i dint trust the call and would call the Chase Bank line and she gave me XXXX. I logged on to ma account and saw no issuethey had the last XXXX of XXXX and Chase s, called that XXXX numbet and it was no longer in use, I called the caller ID number and it identified as Chase and asked for my card umber ( as if ). I the called XXXX XXXX line and they said the couldn't do anything about it, i said the had the last 4 of my SSN!! So i said thanks I would call the FBI, which doesnt seem to handle PHishing. I am upset that they had my last 4 of SSN ad name, etc and no-one can seem to do anything about this. There was also a call from another bank we dont have account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
> I am disputing a collection reported by XXXX XXXX XXXX to Experian for {$5100.00}. This debt is inaccurate and based on a failed service arranged through a company called XXXX. XXXX. I was making monthly payments to XXXX. XXXX, and they assigned my case to a tax relief company called XXXX XXXX but neither company delivered the promised results. 

I paid for 11 months into their IRS resolution program. My first assigned case XXXX, Al, failed to act and was removed. I was then assigned to XXXX XXXX, who attempted to pressure me into a {$20000.00} repayment plan with the IRS over several years. I refused because they never made progress. Instead, I hired my own licensed tax attorney, paid {$3500.00}, and directly resolved my IRS case. I secured and fulfilled an Offer in Compromise with the IRS for {$7200.00}, fully paid. 

Over a month ago, I sent XXXX. XXXX a formal letter requesting cancellation of the program and warning them not to send this to collections. I never received a response. Then, on XX/XX/year>, I found that XXXX XXXX reported a collection to Experian without warning or validation dropping my XXXX XXXX by XXXX points. 

This was devastating. I resolved the issue on my own, received no service from XXXX XXXX, and paid a significant amount to clean up a tax issue that they failed to handle. This is the first collection Ive ever had in my life, and I take pride in paying all my obligations on time. 

I request the CFPB to investigate XXXX. XXXX and XXXX XXXX XXXX, and require immediate deletion of this inaccurate and harmful collection account from all credit bureaus. I have provided documents proving the IRS payment and my original cancellation 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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX # XXXX I am unaware that this debt was sent to collections and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail with receipt displaying my signature, debt validation from original creditor, purchase agreement, and that you are licensed in my state to collect said debt. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action for violation of ( 604.15.USC.1681b & 15.USC.1692g ) consumer rights. Each violation as you know could result in a fine of {$1000.00} with an addition of lawyer costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MO

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-05-29 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: MO

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-29 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: MA

Complaint narrative:
I am writing today reaching out about my premier credit card account number ending in XXXX. I was in the hospital since XX/XX/year> I knew the last payment made was XX/XX/XXXX my next bill wasnt due until XX/XX/year>. I just got out of the hospital by the grace of XXXX and have not passed on yet as of XX/XX/year> this month. I no sooner returned home and received a phone call from a representative from your company informing me that my account was past due & needed to be paid in the amount of XXXX XXXX I honestly explained to the agent my ill health apologized for the late payment and paid the balance in full. The very next morning I received an alert from my credit monitoring team that my account was reported as delinquent as of the XXXX of XX/XX/year>. I called back to try to resolve the issue and understand why if my account was due XX/XX/XXXX and the balance was paid in full when they called the first and only time I was called to be told I was late and was already reported the XXXX when I shouldnt have been reported unless I was delinquent as of the very last day of this month XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX. I really appreciate the opportunity to have this account but this has had an excessive negative impact on my credit report and I am asking you to please resolve this for me as soon as possible as I do believe this was inaccurately reported as late & am suffering now immensely because of this. Attached is proof of payment. Please respond as soon as possible. Also they closed my account bc I requested a new card and cant reopen it until I receive the new card according to customer service I dont think this is right and am requesting the to reopen my account as it should be and reinstate my credit allowance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. if not, please delete account XXXXXXXX XXXX XXXX XXXX XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-29 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: MA

Complaint narrative:
I have filed a complaint with Equifax about 3 months ago, to correct a late payment on my report but they only told me that the account is accurate. It says I m late for XX/XX/year> on the the Equifax report however the transunion report said I paid on time. The XXXX bureaus have conflicting inaccurate information. 

This payment was made on time and the account was closed in good standing. 
I am now requesting proof of the previous investigation. 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 to XXXX XXXX and send me a copy of my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have previously disputed the above referenced account on XX/XX/2025. This item was deleted from the credit file on the subsequent credit report of XX/XX/2025. However, now this item has reappeared on my credit report. 
In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item. 
FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer & # 39 ; s file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii }, a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer & # 39 ; s file disputing the accuracy or completeness of the disputed information. 

XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-29 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-05-29 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: SC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit report I noticed accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with.

Company response to consumer: Closed with explanation