vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint against Equifax for their failure to respond to my dispute and investigate inaccurate items on my credit report, as well as to address additional inaccuracies I have identified, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). I mailed a dispute letter to Equifax via USPS certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), requesting an investigation into the following inaccurate account : XXXX XXXX - XXXX : The payment history does not accurately reflect the payment status, and the negative payment history may be incorrect.

My dispute letter included all required identity verification documents as per FCRA standards to facilitate a thorough investigation. Despite my efforts, Equifax has not responded to my dispute regarding the XXXX XXXX  account as of XX/XX/XXXX, nor have they addressed the inaccuracy. Additionally, I have identified the following new inaccurate accounts on my credit report that require immediate investigation and correction : XXXX XXXX XXXX XXXX XXXX : Inaccurate 30-day late payment reported for XX/XX/XXXX. 
XXXX XXXX - XXXX : Account status says " Indeterminate, '' with comments and payment status indicating a charge-off, but the date of last payment is XX/XX/XXXX and the date of last activity is XX/XX/XXXX, which is inconsistent since the XXXX payment history shows no missed payments. 
XXXX XXXX - XXXX : Inaccurate 30-day late payment reported for XX/XX/XXXX and inaccurate 60-day late payment reported for XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment status says " not more than three payments past due, '' but all payments in the 2-year payment history are on time. 
Equifaxs failure to respond to my initial dispute and their failure to ensure the accuracy of these additional accounts violate my FCRA rights under Sections 1681i ( requiring a reasonable investigation ) and 1681e ( b ) ( requiring maximum possible accuracy ). This inaction and the presence of inaccurate reporting continue to harm my credit profile, misrepresenting my creditworthiness and affecting my ability to secure credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: ND

Complaint narrative:
I am filing a formal complaint against XXXX and American Profit Recovery ( APR ) for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2022, I disputed this collection account with all three credit bureaus ( XXXX, XXXX, and XXXX ). 
The account was removed from XXXX and XXXX, but XXXX reinserted the account without providing proper notice as required under FCRA 611 ( a ) ( 5 ) ( B ).

I never received any debt validation from American Profit Recovery despite sending a formal validation request over 30 days ago. Under FDCPA 809 ( b ), they are legally required to validate the debt before continuing collection efforts or reporting to credit bureaus.

APR also failed to send me the legally required notice within five days of first reporting the debt, violating FDCPA 809 ( a ).

Additionally, XXXX  reporting of this account is misleading and inaccurate, violating FCRA 1681s-2 ( b ) : The balance increases by {$1.00} every three months without explanation, suggesting unlawful fees or interest on a collection account.

There is no Date of First Delinquency ( DOFD ) listed, which is required under FCRA 623 ( a ) ( 5 ) to prevent re-aging.

The account was previously deleted from two bureaus, yet XXXX continues to report it without valid documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : Equifax XXXXXXXX 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 XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Aligned Company DBA Extra
State: NY

Complaint narrative:
This letter serves as a formal notice to cease and desist all collection activities related any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law. Case law has affirmed my right to request the cessation of debt collection communications. In XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), the court ruled that a consumer 's request to cease contact must be honored by collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), reinforces the consumer 's right to privacy and the obligation of debt XXXX to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA. Please be advised that failure to comply with this notice may result in further legal action This could include filing complaints withrthe Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies protect my rights. Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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:
I am submitting this complaint against Equifax Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX ; XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: AR

Complaint narrative:
Equifax just keeps reporting accurate which it is not. XXXX removed it

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 2025-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX amount was incorrect and bank is not working with me to correct it. It sent {$290.00} instead of {$25.00}. I left message for chase branch as soon as I realized but no response. ( It was closed XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XX/XX/year> said it would be updated and deleted it has been pass the time frame and is still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: HI

Complaint narrative:
Could you please delete all of my hard inquiries from : XXXXXXXX XXXX XXXXXXXX USED XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: CA

Complaint narrative:
My identity was stolen while I was overseas serving my company. I file numerous disputes against TransUnion about my situation and turned in all my documents proving that I did not authorize or sign a contract with XXXX XXXX XXXX. The company is a scam and I was never provided any proof. I talk to the supervisor XXXX with TransUnion and he's telling how they are verifying the account is that they send over the documents electronically and XXXX verifying as accurate. I'm asking for them to call in and speak to someone directly and check the signature on the contract but he informed me that they don't do. I ask for a proper investigation and I'm still not getting one. I'm part of the XXXX XXXX TransUnion class action lawsuit and TransUnion still not properly investigating. I turn my letter of deployment and XXXX the TransUnion supervisor still won't delete this fraud account from my account. He should not work there if he can't follow the FCRA rules, TransUnion clearly don't respect the rules or the class action lawsuit

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-03-29 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: AL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXXXXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Dispute of Unauthorized Inquiries on Consumer Report Dear Experian, I am writing to formally dispute unauthorized inquiries that appear on my consumer report. I have recently obtained a copy of my credit report and noticed multiple inquiries that I did not authorize. These inquiries are affecting my creditworthiness, and I am requesting their immediate removal.The details of the unauthorized inquiries are as follows XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian. To support my claim, I have attached copies of the following documents : A copy of my government-issued IDA recent utility bill showing my name and address, A copy of my report from the Federal Trade Commission ( FTC ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information in my consumer report. I kindly request that you investigate these unauthorized inquiries and remove them from my report as soon as possible. Please confirm the receipt of this letter and let me know the outcome of your investigation. You can reach me at XXXX. Thank you for your prompt attention to this matter. 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 2025-03-29 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX my checking account was charged with XXXX purchase : XXXX being {$34.00} and the other being {$35.00}. There was another charge attempted but I was alerted by text message by a prompt asking if I made these charges which I answered no. I immediately called the bank and after a good talk the associate said there was a XX/XX/year> chance the charges would be dropped. Eventually the bank dropped the {$34.00} but the {$35.00} was still there. I just called again and they said they can not drop the charge because I authorized it. I looked up the merchant and it turns out that company does not even appear to exist. How could I authorize a purchase to a company that doesnt exist?

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 monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I received a message navy federal saying that I used my card with a transaction. I received another message that that the bank was gon na call me and it was fraud. When I received i gave them my information because they said he was from the bank. He hacked into my account and took money from my savings account. I want guys to investigate where that money came from and I need to know where that money came from. I have all the proof messages and I need someone to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation