vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX  consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX u.s.c XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that the cfpb take action to ensure XXXX  complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below are the addresses that I would like to have permanently deleted : 1. XXXX XXXX XXXX XXXX CA XXXX 2. XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 non-monetary relief
Consumer complaint received 2025-05-15 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: GA

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 : {$380.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX : {$80.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX : {$4600.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$1400.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$650.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$290.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries : 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 2025-05-15 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: KY

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$7700.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$76.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} BANKRUPTCY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00}

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 non-monetary relief
Consumer complaint received 2025-05-15 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 2025-05-15 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 explanation
Consumer complaint received 2025-05-15 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: DC

Complaint narrative:
I have recently received a copy of my credit report and noticed more than several inaccuracies reporting to my credit report. Urgent Request for Investigation and Removal of Inaccurate/Fraudulent Information from Credit Report! 
These remarks and have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
JPMCB is clearly reporting inaccurate information on my credit report for over six years now. They refuse to remove it, even validated that it was correct. How can you have two 30 day late payments back to back? That's factually, logically, and statistically impossible. 

I'm due {$1000.00} for each infraction now that you've already validated that it was correct and refuse to delete the account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
Wednesday, XX/XX/XXXX ATTN : Consumer Financial Protection Bureau On XX/XX/XXXX I paid off on an auto loan with Consumer Portfolio Services. During the loan, at one point I did get a month behind, but that is all. After I got behind, I started to included some extra money with my regular monthly payment in order to go towards my past due balance, all until I paid it completely off. Even though I paid regular monthly payments to Consumer Portfolio, and I continued to communicate with them all the way until I paid off the loan, they reported to the credit reporting agencies that this is a " derogatory '' account and the payment status reports this loan as a " Collection/ Charge-off '' when that is NOT the case. In the remarks it states " payment after charge off/collection. '' I did some research and it says that a charge off collection happens on an auto loan after being behind 120 days! That would be like almost 4 MONTHS behind before an auto loan goes into charge-off/collection status! I was NOT XXXX months behind ever on my auto loan! I continued to make regular monthly payments, and I continued to maintain the vehicle in my possession due to regular monthly payments. On XXXX XXXX I paid it in XXXX and got the title in the mail afterwards. I never even knew that XXXX XXXX was reporting this as a charge-off/collections account until I happened to look at my report. This is incorrect! I NEVER was XXXX months behind on my payment, in addition, after getting just a month behind, along with my regular monthly payment each month, I always sent in extra in order to pay down my past due balance, and I did this month after month until I paid my balance in FULL to pay for the car. 

I am trying to improve my credit score, and this is an auto loan that I paid in FULL on XX/XX/XXXX. I need this reported correctly to reflect that I actually in fact paid my FULL loan for this car, and I made regular timely payments on it. WHY is this listed as a " charge-off/collection ''??? Will never finance with this company ever again there were so many issues with dealing with them. I always communicated with them after I got a little behind, but they still called me constantly as if I was XXXX months behind when that was NOT the case! I always stay on top of my debts and bills but this company was so hard to deal with I want this fixed ASAP. This has seriously hurt my credit score for long enough! 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

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 Balance : {$0.00} Account No XXXX XXXXXXXX XXXX Balance : {$3600.00} Account No XXXXXXXX XXXX XXXX Balance : {$2100.00} Account No XXXX XXXX XXXX Balance : {$1200.00} Account No XXXXXXXX XXXX XXXX  Balance : {$1200.00} Account No XXXXXXXX XXXX XXXX  Balance : {$710.00} Account No XXXXXXXX XXXX XXXX Balance : {$700.00} Account No XXXXXXXX XXXX XXXX XXXX Balance : {$400.00} Account No XXXXXXXX XXXX XXXX XXXX Balance : {$35.00} Account No XXXXXXXX XXXX Balance : {$0.00} Open Account No XXXX XXXX XXXX XXXX  Balance : {$370.00} Account No XXXX Inquiries : XXXXXXXX XXXX XXXXXXXX Date 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 explanation
Consumer complaint received 2025-05-15 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: OK

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: OK

Complaint narrative:
I reach out to Experian to confirm how my credit score went from XXXX to XXXX in one day first when I spoke with first agent she didnt know and stated I needed to contact Fico which was incorrect second agent I spoke with stated the XXXXpoint  drop could have been because of missed payments on affirmative action which is also incorrect she put in a dispute for XXXX  which is all paid and closed. There has been no supervisor available they will set up a cb in 48-72 hours but never call you I have yet to receive an answer why with no indication my credit score has declined in one day that drastically

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I'm requesting confirmation that all data associated with this account is fully and exclusively mine. Please certify this clearly and directly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX. This man is saying I had a payday loan in XXXX.  And I was paying it through Regions bank. But the payment stopped.  I never had a loan in XXXX. And if so why didn't u get any call or l tters till today.  I get this phone call. I have only had this number a year saying I owe $XXXX  dollars. A. He can't even t ll me the loan company nam.  I told him I never had a loan. He said that I needed to pay.  I told him no information. That he will send a albritration to my house.    I stays I was going to the sheriff and  what for. I told him this was a scam. Th b he threaten me with he will hav it where I couldn't use my debit card or bank anymore."

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America took {$70.00} from me, purportedly for giving incorrect banking information. I do not have an account with Bank of America. In trying to secure an apartment- I am stationed with the XXXX XXXX in XXXX XXXX- I was told by management at my apartment building ( Spire XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) that Bank of America was demanding {$70.00}. Management at XXXX XXXX XXXX said they have an account with Bank of American but would provide no information. I need housing to do my job in the XXXX, this was duress. I fear that this scam is being perpetrated on other vulnerable military service members.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: PA

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

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