vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials. 
My automatic payment settings were altered without my knowledge. 
This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

A written confirmation verifying that these late payments have been removed.

A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably.

Please confirm resolution of this dispute at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. XXXX XXXX XXXX XXXX BALANCED {$6300.00} XXXXXXXX XXXX XXXX XXXX BALANCED {$250000.00} XXXX XXXX BALANCED {$5700.00} XXXX XXXX XXXXXXXX BALANCED {$450.00} In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the following items on my 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I filed XXXX XXXX bankruptcy in XXXX of XXXX. The company XXXX reported multiple accounts as 90 days past due and this is incorrect as I am in bankruptcy and the original loan servicer was notified via the bankruptcy court. Because I filed XXXX XXXX, my student loans are automatically put into forbearance until the bankruptcy is discharged therefore, they are violating the federal protection that I am under. I called the company and they were completely clueless and I was also hung up on, likely accidentally, but no attempt was made to call me back and the person on the phone was not equipped to handle the matter anyway. I want every, single negative report removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I filed XXXX XXXX bankruptcy in XXXX of XXXX. The company XXXX reported multiple accounts as 90 days past due and this is incorrect as I am in bankruptcy and the original loan servicer was notified via the bankruptcy court. Because I filed XXXX XXXX, my student loans are automatically put into forbearance until the bankruptcy is discharged therefore, they are violating the federal protection that I am under. I called the company and they were completely clueless and I was also hung up on, likely accidentally, but no attempt was made to call me back and the person on the phone was not equipped to handle the matter anyway. I want every, single negative report removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX writing to file a formal complaint against Portfolio Recovery Associates, who are attempting to collect a debt that is not mine. Ive already contacted them multiple times in writing, and Ive also filed a report with the Better Business Bureau, but the issue remains unresolved. 

Here are the details of my situation : Creditor : Portfolio Recovery Associates Account in Question : * XXXX Problem : They claim I owe a debt, but I do not recognize this account and have no connection to it. I have not opened any loan or credit account related to this alleged debt. 

Actions Ive Taken : On XX/XX/year>, I sent the first letter to Portfolio Recovery Associates disputing the debt. 
Since XXXX I have now sent XXXX written requests to them, on the following dates : XX/XX/year>, XX/XX/year>, and today XX/XX/year>. 

Ive also filed a complaint with the Better Business Bureau, but there has been no resolution or valid response from them. 
I believe this situation is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), as they continue to pursue this false debt. XXXX requesting that the CFPB intervene in this matter and take action to ensure that Portfolio Recovery Associates stop their collection attempts. I also ask that they provide proof of the debt or correct any inaccurate information on my credit report regarding this issue. 

Please let me know if you need any additional information or documentation from me to assist with this complaint. I appreciate your help and hope for a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I'm requesting a reinvestigation to account XXXX, from XXXX  XXXX XXXX. inaccurate information is still being reported under this account and I would like a thorough investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ACCOUNTS : XXXX. XXXX XXXX XXXX XXXX ( Dates are incorrect and comments ) XXXX. XXXX student loans ( dates, comments, months and amounts ) XXXX. XXXX XXXX ( dates and months are wrong ) XXXX. XXXX ( dates, amounts, comments ) XXXX. XXXX  ( dates and amount are wrong ) XXXX. XXXX  ( dates and comments ) XXXX. XXXX XXXX ( Dates and comments ) XXXX. XXXX ( dont recognize the account ) XXXX. XXXX XXXX XXXX ( dates, comments, amounts ) XXXX. XXXX  XXXX ( account numbers, dates, amounts, comments ) XXXXXXXX XXXX ( dates, amounts, comments ) XXXX. XXXX XXXX ( Dates, comments, amounts ) XXXX. XXXX XXXX XXXX ( Dates, amounts, comments ) XXXX. XXXX ( amounts, dates, comments, ) XXXX. XXXX XXXX ( dont know anything about this account ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ( Comments, dates, terms ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( Never opened an account ) XXXX. XXXX XXXX  ( XXXX know anything about this account ) XXXX. XXXX ( incorrect information ) XXXX. XXXX XXXX ( dates, comments, amounts ) XXXX. XXXX XXXX ( different account numbers, dates, comments ) INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accoounts, dates, amounts and comments are wrong some accounts have different amounts. A couples of accounts I do not recognize. I have ask for an investigation since XX/XX/XXXXXXXX  and nothing has been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ACCOUNTS : XXXX. XXXX XXXX XXXX XXXX ( Dates are incorrect and comments ) XXXX. XXXX student loans ( dates, comments, months and amounts ) XXXX. XXXX XXXX ( dates and months are wrong ) XXXX. XXXX ( dates, amounts, comments ) XXXX. XXXX  ( dates and amount are wrong ) XXXX. XXXX  ( dates and comments ) XXXX. XXXX XXXX ( Dates and comments ) XXXX. XXXX ( dont recognize the account ) XXXX. XXXX XXXX XXXX ( dates, comments, amounts ) XXXX. XXXX  XXXX ( account numbers, dates, amounts, comments ) XXXXXXXX XXXX ( dates, amounts, comments ) XXXX. XXXX XXXX ( Dates, comments, amounts ) XXXX. XXXX XXXX XXXX ( Dates, amounts, comments ) XXXX. XXXX ( amounts, dates, comments, ) XXXX. XXXX XXXX ( dont know anything about this account ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ( Comments, dates, terms ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( Never opened an account ) XXXX. XXXX XXXX  ( XXXX know anything about this account ) XXXX. XXXX ( incorrect information ) XXXX. XXXX XXXX ( dates, comments, amounts ) XXXX. XXXX XXXX ( different account numbers, dates, comments ) INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accoounts, dates, amounts and comments are wrong some accounts have different amounts. A couples of accounts I do not recognize. I have ask for an investigation since XX/XX/XXXXXXXX  and nothing has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( XXXX  ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( Please remove this account before I seek litigation for defamation of character ). 
XXXX. XXXX XXXX XXXX  Balance $ XXXX XXXX original creditor XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Bankruptcy - XXXX XXXX - XX/XX/year> XXXX - XX/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 non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following information is outdated. I would like it removed from my credit history report XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
ISSUE Bill Payment functionality with Chase 's " XXXX '' feature failure- with payments to XXXX failing as of XX/XX/year> after working consistently and correctly for several years prior. 

OVERVIEW XXXX XXXX, a Payee setup within my Chase checking account, sends electronic bill statements ( XXXX ) to Chase on the statement closing date every month. 

This provides the : 1. billing statement date 2. minimum payment due $ amount 3. minimum payment due date This Chase XXXX payment feature service has 2 functions, to send the required minimum payment to the Payee ( given funds availability ) delivered by the required due date. 

Recently the last 2 payments to my XXXX XXXX Card # XXXX were paid late or unpaid, despite the lead time of 3 weeks, and XXXX charged me {$60.00} ( {$30.00} x2 ) in late payment fees from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXX Balance Owed : {$5700.00} XXXX  XXXX Balance Owed : {$11000.00} XXXXXXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed : {$5700.00}

Company response to consumer: Closed with non-monetary relief