vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint against Equifax for its failure to comply with the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting fraudulent accounts on my credit report. Equifax has failed to conduct a proper investigation, remove unverifiable information, and correct errors despite multiple dispute attempts.

Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Conduct a Proper Reinvestigation Under 15 U.S.C. 1681i, consumer reporting agencies are required to investigate disputes and delete unverifiable or inaccurate information. Equifax has failed to fulfill this obligation regarding the fraudulent accounts listed below.

Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure that consumer reports are accurate. The continued reporting of these fraudulent accounts constitutes a clear violation. 

Liability for Willful Noncompliance Under 15 U.S.C. 1681n, a consumer reporting agency that willfully fails to comply with the FCRA is liable for damages, including actual damages or statutory damages of up to {$1000.00} per violation.

Liability for Negligent Noncompliance Under 15 U.S.C. 1681o, a credit reporting agency that negligently violates the FCRA is responsible for any damages incurred.

Fraudulent/Inaccurate Accounts The following accounts appearing on my credit report are inaccurate, fraudulent, and/or unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank Of America sued me to the court for credit card debt and warned me by phone and email plus threatening me by public my personal informations to all creditors, banks, insurance companies, consumer groups, credit bureaus and even my employer. Today I got the new threatening letter from the court I am shaking. My mental, emotional and physical health 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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I am writing to formally lodge a complaint regarding an unauthorized and illegal charge on my account, which I did not approve. Despite reaching out to American Express ( Amex ) regarding this issue, the company has been completely unhelpful in addressing or resolving the dispute. 

I clearly communicated that this charge was unauthorized, and I even contacted the charge-disputing company directly. However, the representatives I spoke to seemed unable, or unwilling, to assist me in resolving the matter. After multiple frustrating exchanges, I was left with the impression that speaking to a supervisor or higher-level representative would be impossible. 

To make matters worse, not only has the issue with the unauthorized charge not been resolved, but I was also charged additional late fees without any communication or updates about the status of my case. The lack of transparency and the continued billing for charges I did not authorize is unacceptable. The level of service provided has been so inadequate that it has seriously affected my willingness to continue pursuing this matter through normal channels. 

I am requesting a full explanation from the company regarding what happened with my case and the steps being taken to resolve this issue. I would like detailed information about the status of my dispute, the actions taken, and the steps Amex will take to rectify this situation. 

If this issue is not resolved promptly, I will have no choice but to pursue further action, as this matter infringes upon my rights and I will not tolerate being charged for unauthorized transactions. I expect a timely and satisfactory response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
I appreciate you making the effort to remove some of the data on my credit report, but there are still some accounts that need to be fixed. The Credit Bureau must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX {$6700.00}

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 2025-03-31 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: MI

Complaint narrative:
See Attached Dear Representatives, I have contacted the creditor about this situation to fix it and they refused to fix it. Can you please investigate and have the creditor to send proper documentation stating that this is correct? They are in violation of FCRA

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 2025-03-31 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: MI

Complaint narrative:
See Attached Dear Representatives, I have contacted the creditor about this situation to fix it and they refused to fix it. Can you please investigate and have the creditor to send proper documentation stating that this is correct? They are in violation of FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: OK

Complaint narrative:
On XX/XX/year>, I had my Current Debit Card ending in XXXX stolen from me. The perpetrator went on to make nine transactions totaling up to {$93.00} from four particular merchants ( XXXX, XXXX, XXXX, and XXXX ). I had my card stolen until the XXXX of XXXX, whenever Current sent out a new debit card for me. I looked through my transaction history and saw these transactions and reported them. Within two days the financial institution denied my claim, quoting that they concluded no error occurred. That was completely false and untrue, as I have overwhelming evidence from all the merchants showing that they recognized these transactions as unauthorized and would be working with Current to reimburse for the stolen funds. I have shown this evidence to Current and they have continued to deny my claim. I am filing this in hopes of getting my claim resolved in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
Dear CFPB, I am filing this complaint against Equifax and its furnishers for failing to correct inaccuracieson my credit report, violating the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.

1. Violations Summary FCRA 611 ( a ) ( 1 ) : Equifax ignored disputes sent on [ Date ( s ) ] and failed to investigate errors.

Metro 2 4.2 : Collections lack critical data ( e.g., " Date of First Delinquency, '' validation documents ). 
FTC Debt Collection Rule : Collectors reported debts without proof of ownership or consumer liability. 
XXXX. Disputed Accounts XXXX XXXX XXXX ( {$10000.00} ) Metro 2 Violations : 4.2 : Misreported as " Open '' status instead of closed collection.

5.1 : Missing 84-month payment history.

4.5 : Duplicate " disputed by consumer '' remarks ( flagged twice ). 
FCRA 623 : Furnisher failed to provide contractual proof of {$10000.00} debt. 
XXXXXXXX XXXX XXXX ( {$260.00} ) Metro 2 Violations : 4.2 : No documentation showing XXXX XXXX XXXX  authorized XXXX to report debt. 
5.4 : Zero payment updates since XX/XX/XXXX. 
FTC Opinion LetteXXXX ( XXXX ) : Medical/gym debts require explicit validation, which was never provided. 
XXXX. Harm Caused Credit Denials : Rejected for a mortgage due to inflated debt from these invalid collections. 
Emotional Distress : XXXX and stress from inability to resolve errors despite repeated disputes.

4. CFPB Action Requested 1Order Equifax to delete both collectionsimmediately.

2Investigate Equifaxs systemic Metro 2 non-compliance under CFPB Bulletin 2023-01. 
3Penalize furnishers ( XXXX XXXX, XXXX ) for reporting unvalidated debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report, I strongly believe that this situation exploits me, and I seek resolution.

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 2025-03-31 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
in XXXX of XXXX I applied for and was approved for a AMEX XXXX XXXX  card, but the credit limit was not disclosed at the time I submitted the application. It turns out AMEX uses a XXXX limit for all applications ( or so the call center person said ). I was applying for the card to replace another card and a XXXX limit was not sufficient at the time so I asked what my options were. I was told I could decline receipt of the card and that their would be no impact. So I never received the card, I never paid the annual fee. Fast forward to XXXX of XXXX and I am now looking to add the card not use it as a replacement. I would like the sign up bonus, but when I went to apply they notified my I was not eligible. Their terms say if you have ever had the card you are not eligible for future offers. Since the previous agent had said there was no issue this did not even cross my mind. It seems their terms and conditions are vague and ambiguous. It would seem at a minimum I would need to charge or pay the annual fee or actually have the card in my hands to have " had '' the card, but they seem to be applying it to if I have ever been approved for the card. This is effectively locking me out of offers from any XXXX branded card with AMEX based on very vague language.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Velocity Portfolio Group
State: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the collection account listed on my credit report. Please consider this letter a request for validation under Section 609 and Section 611 of the Fair Credit Reporting Act ( FCRA ). The account in question is CKS PRIME INVESTMENTS , LLC Under the FCRA, you are required to provide verification of the debt, including the original contract or agreement that created the obligation. Provide documentation that shows I agreed to pay this debt with my signature and documentation shows I gave permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to have my information and unauthorized use of my social security number is identity theft and you will be reported for such. If you can not provide such verification, I respectfully request that you immediately remove the inaccurate information for my credit. 

Additionally, please note that reporting unverifiable or inaccurate information is a violation of federal law, and I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary. 

I expect a written response within 30 days of receiving this letter, as required by FCRA. If the information can not be verified, you must remove the account from my credit report. 

Please send all correspondence regrading this matter to the address listed above Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
To whom it may concern, I am writing to formally dispute the collection account listed on my credit report. Please consider this letter a request for validation under Section 609 and Section 611 of the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX XXXX XXXX, XXXX Under the FCRA, you are required to provide verification of the debt, including the original contract or agreement that created the obligation. Provide documentation that shows I agreed to pay this debt with my signature and documentation shows I gave permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to have my information and unauthorized use of my social security number is identity theft and you will be reported for such. If you can not provide such verification, I respectfully request that you immediately remove the inaccurate information for my credit. 

Additionally, please note that reporting unverifiable or inaccurate information is a violation of federal law, and I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary. 

I expect a written response within 30 days of receiving this letter, as required by FCRA. If the information can not be verified, you must remove the account from my credit report. 

Please send all correspondence regrading this matter to the address listed above Sincerely 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 2025-03-31 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the collection account listed on my credit report. Please consider this letter a request for validation under Section 609 and Section 611 of the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX XXXX XXXX, XXXX Under the FCRA, you are required to provide verification of the debt, including the original contract or agreement that created the obligation. Provide documentation that shows I agreed to pay this debt with my signature and documentation shows I gave permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to have my information and unauthorized use of my social security number is identity theft and you will be reported for such. If you can not provide such verification, I respectfully request that you immediately remove the inaccurate information for my credit. 

Additionally, please note that reporting unverifiable or inaccurate information is a violation of federal law, and I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary. 

I expect a written response within 30 days of receiving this letter, as required by FCRA. If the information can not be verified, you must remove the account from my credit report. 

Please send all correspondence regrading this matter to the address listed above Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-31 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: FL

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL 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 2025-03-31 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 writing to formally dispute the unauthorized inquiries listed on my credit report. Despite my previous letter with your bureau, these inquiries remain on my credit file. 

I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. 

It is essential to note that the nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted and removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX 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 2025-03-31 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: MN

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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