vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Immediate Removal of Unauthorized Addresses, Phone Numbers, and Hard Inquiries Dear Equifax, I am demanding the immediate removal of all unauthorized addresses and phone numbers from my credit file that do not match my current and only valid address : XXXX XXXX XXXX, XXXX, AL XXXX. I have previously requested this correction, yet the inaccurate information remains. This is unacceptable, and I expect prompt action. 

Additionally, I have been a victim of identity theft and have not authorized the following hard inquiries 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 never applied for credit with any of these entities. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies may only list inquiries from companies with a legally permissible purpose. Since I did not authorize these inquiries, they must be removed immediately.

Furthermore, under 15 U.S.C. 1681c, credit bureaus are required to remove inaccurate or fraudulent information upon dispute. This is my formal demand to : XXXX. Immediately remove all addresses and phone numbers that are not XXXX XXXX XXXX, XXXX, AL XXXX. 


XXXX. Immediately remove all unauthorized hard inquiries listed above. 



If these items are not removed without delay, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. I will also explore legal action for any violations of my rights under the FCRA. 

This is not a requestit is a formal demand for immediate action. I expect written confirmation once these items have been permanently removed from my credit file. You may send confirmation to my email at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-05 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: CT

Complaint narrative:
Under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXXXXXX, Has Violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has Violated my rights. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has Violated my rights. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has Violated my rights. XXXX XXXX XXXX XXXXXXXX, Has Violated my rights. XXXXXXXX XXXX XXXX XXXXXXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. Equifax has inaccurate data with addresses that I am not associated with, Has Violated my rights. 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 an account without my written instructions 15 U.S. C 168Tc. ( 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I disputed a tradeline from XXXX  Powered by XXXX that was inaccurately reported on my Equifax credit file. I submitted multiple formal disputes starting in late XX/XX/year> and followed up with more than XXXX emails between XX/XX/year>, to Equifaxs customer support and XXXX support teams. Despite this, I have received XXXX response or acknowledgment. 

On XX/XX/year>, I filed several CFPB complaints ( XXXX : XXXX, XXXX, and others ), clearly explaining that Equifax failed to comply with the Fair Credit Reporting Acts reinvestigation requirements. The reporting furnisher, XXXX  powered by XXXX, has a long track record of consumer complaints, and Equifax has not substantiated the debt, nor have they explained their continued reporting. 

Equifaxs inaction has caused measurable financial and emotional harm, including a loss of emergency credit, overdraft issues, and obstacles to accessing housing and employment. I am requesting a full deletion of the tradeline and a written explanation of all investigative steps taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: MRS BPO, LLC
State: NV

Complaint narrative:
Ive taken a look at my credit reports and I see this in my collections Please take this off my report I have no knowledge of thisMRS BPO Last reported XXXX XXXX XXXXXX/XX/year> {$170.00} Open balance MRS BPO

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CT

Complaint narrative:
Formal Complaint Against Jefferson Capital Systems Violation of FDCPA & FCRA Consumer Rights Dear Consumer Financial Protection Bureau, I am submitting this complaint against Jefferson Capital Systems for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Jefferson Capital Systems has reported a collection account on my credit report under the following : Creditor Name : Jefferson Capital Systems Account Number : XXXX This account was reported without proper debt validation, which violates the following federal laws : 12 CFR 1006.34 ( b ) ( 5 ) Failure to provide validation before reporting 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Failure to provide the opportunity to dispute the debt 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Furnishing of unverified and potentially inaccurate information to credit reporting agencies The continued reporting of this unvalidated debt is misleading, damaging to my consumer profile, and unlawful under federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MD

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I attempted to apply for a promotional offer from Truist Bank advertised online. The offer promised a {$420.00} bonus for opening a new checking account and completing the qualifying activities outlined in the terms and conditions. 

When I tried to open the account online, I received an error message directing me to visit a branch in person. I then went to the Truist branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and spoke directly with a banker about the promotion. 

During our conversation, I made it explicitly clear that I would only open the account if I was eligible for the {$420.00} promotion. The banker assured mewithout qualificationthat he could enroll me in the promotion and apply it manually. Based on his assurance, and in good faith, I proceeded to open the account and later fulfilled all the promotional requirements.

Now, nearly four months later, I have been informed that I am no longer eligible for the promotional bonus because the account was not opened online. Furthermore, Truist claimed that I was ineligible because my account profile showed a Utah address, despite the fact that : I did not provide a Utah address during the account opening process. 

I am no longer associated with any Utah address. 

The incorrect address was entered by a previous Truist employee, who mistakenly copied the address from my drivers license ( which still listed my old residence ) and used it as my current profile addressan error made entirely by bank staff, not me.

This entire situation stems from two major failures on Truists part : Misrepresentation by an in-branch representative, who assured me I qualified for the bonus despite the terms stating it must be opened online.

A clerical error by another bank employee, which led to an incorrect profile address now being used to deny me eligibility.

From a legal standpoint, the doctrines of apparent authority and promissory estoppel apply : I reasonably relied on the assurance of a Truist employee acting within the scope of their duties. 

My reliance caused me to take an actionopening an accountI would not have otherwise taken.

I have since suffered financial harm from Truists refusal to honor the agreement made at the time of account opening.

Additionally, the excuse provided ( incorrect address ) is based on Truists own internal error, and it is entirely unreasonable to penalize a consumer for a mistake made by the bank.

This is a breach of fair dealing, transparency, and good faith. It also undermines consumer trust and raises questions about the bank 's promotional practices and internal training.

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 2025-04-05 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:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX  I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was in XXXX XXXX the weekend of XX/XX/year>. Me and my girlfriend was walking down strip by XXXX properties and got scammed by street performs my girlfriend wanted a picture with street show girls there was XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I told them I would tip them XXXX dollars on my card and my lady would tip XXXX dollars on her card also they ended up charging my card XXXX and my lady XXXX so they overcharged what we agreed on my lady is dealing with it with her bank but my bank will not dispute my charge because the receipt matches what they charged but they never even gave me a receipt they used a XXXX XXXX XXXX on their phone so I was able to get the receipt from XXXX  after the fact but chase says since the transaction matches receipt its not a overcharge and I cant dispute it as fraud either but if most certain is fraud not only did they overcharge my card not agreeing but also getting the merchant info from bank they gave me a real business as a notary center and thats definitely not who they work for and when I called the merchant he said yes I cant find your transaction and I dont even use XXXX XXXXo process payments so definitely shows fraud is going on. So Ive tried contacting merchant but hes not the person that charged my card or can even see my transaction. Ive also contacted XXXX XXXX and told them what is going on and they said the information my bank gave me for merchant contact info isnt completely accurate and suspect fraud is going on and should have my bank call XXXX  but my bank chase wouldnt even do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: CA

Complaint narrative:
On XX/XX/XXXX I requested XXXX to remove an account XXXXXXXX XXXX from my credit report showing in accurate information and ruining my credit report. I explained to them they are in violation of FDCPA and FCRA. XXXX responded they would do an investigation and get back to me. After the 30 days transunion did not remove the information. On XX/XX/XXXX I pulled a recent credit report from XXXX to still find the inaccurate information on my credit report. I am now reaching out to you for help to make this credit reporting agency follow the law meant to protect the consumer. 

According to my credit report, this account was **charged off** from XX/XX/XXXXXXXX XXXX XXXX XXXX However, after an **over-a-year-long gap** in reporting ( from XX/XX/XXXXXXXX XXXX XXXX XXXX  ), the account suddenly reappeared as a charge-off on my credit report in XX/XX/XXXX, with dates extending through XX/XX/XXXX. This re-reporting of the charge-off is **misleading**, **inaccurate**, and could be considered **re-aging** of the debt. According to the XXXXFair Credit Reporting Act ( FCRA ) **, account information should be accurately reported and updated on a regular basis. Re-aging a debt to extend the reporting period beyond its proper timeline is a violation of federal law. 

2. **Failure to Report for Extended Period ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ** : The account was **not reported** for over a year, between XX/XX/XXXXXXXX XXXX XXXX XXXX without explanation. The FCRA requires that credit information be reported accurately and in a timely manner. The failure to report during this period is highly irregular and suggests that the creditor or debt collector violated the proper reporting procedures. This gap in reporting creates an inaccurate representation of my credit history. 

XXXX. **Violation of Debt Reporting Standards** : Under the **Fair Debt Collection Practices Act ( FDCPA ) **, creditors and debt collectors are required to ensure that all reported debts are **accurately verified**. Given that the reporting was inconsistent, and considering the **re-aging** of the debt by extending the charge-off period, I believe this is a clear violation of my rights as a consumer.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account : XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I opended a checking account with bank of america account number ending in XXXX last year some day in XXXX or XXXX. Because I received a offer like if I maintained XXXX dollars for XXXX, and, After opening the account, I contacted the bank multiple times to confirm whether I met the requirements for the account opening bonus, and whether the bonus would be credited to my account on time. 
Even during a phone inquiry on XX/XX/XXXX, the BOA customer service representative still assured me that as long as I maintained the account balance through XX/XX/XXXX, I would be eligible to receive the {$500.00} account opening bonus. 
However, when I contacted BOA customer service again today, I was told that the previous representatives had misled me, and that my account was never enrolled in any sign-up bonus.

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 2025-04-05 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: FL

Complaint narrative:
I am filing this complaint against Experian for repeated and intentional violations of the Fair Credit Reporting Act ( FCRA ). I have already submitted two CFPB complaints regarding this matter : Complaint # XXXX ( XX/XX/XXXX ) Complaint # XXXX ( XX/XX/XXXX ) Despite these complaints, Experian has reinserted previously XXXXeleted accounts, including XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and reported false late payments without notifying me or providing any form of legal verification or documentation. 

Additionally, Experian added a suspicious XXXX XXXX account with a future open date ( XX/XX/XXXX ) and 3 late payments, during an active dispute. This violates FCRA XXXX XXXX. 

Other accounts involved include XXXX XXXX ( 2 accounts ), XXXX, and XXXX all previously disputed, yet Experian failed to provide proper documentation or verification. 

I have attached a formal Notice of Intent to Sue letter sent to Experian, as well as screenshots of my credit reports and all required identification ( drivers license and utility bill ). I also include a recent letter from Experian outlining their dispute process, which clearly contradicts how my case has been handled. 

This is a pattern of willful noncompliance. I request immediate intervention from the CFPB, full deletion of all inaccurate or unverifiable accounts listed, and investigation into Experians repeated disregard for FCRA obligations.

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 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Reference to Code 1562 Dear Sir/Madam, I am writing to formally dispute an item on my credit report, which I recently received from your bureau. The item in question is associated with the code 1562, and I believe it to be inaccurate or erroneous. I request a prompt investigation into this matter and a correction, if necessary, in accordance with the Fair Credit Reporting Act. 

Details of the disputed item : Account Name : JPMCB Account Number : XXXX Disputed Code : 1562 Date of Entry : XX/XX/year> I request that you review the above-mentioned item and provide me with the results of your investigation. Please remove or correct this entry if it is found to be inaccurate, incomplete, or unverifiable. 

In accordance with the Fair Credit Reporting Act, I ask that you notify me of the outcome of your investigation, including any changes made to my credit report, within 30 days. I have attached relevant documentation to support my claim, which includes [ copies of statements, payment records, etc. ]. 

Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this issue. 

Sincerely, XXXX XXXX [ Enclosures : Copies of documents supporting your dispute, if any ]

Company response to consumer: Closed with explanation