vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: MD

Complaint narrative:
I am writing to urgently address an issue that has come to my attention regarding a fraudulent account on my credit report. Upon reviewing my file, I discovered an account listed that I did not open, authorize, or have any knowledge of. This account is a direct result of unauthorized use of my personal information, and I am taking immediate steps to ensure it is removed from my credit history. This account has been opened without my consent and is the result of identity theft. I have not applied for any credit associated with this account, nor have I engaged in any transactions related to it. It is clear that this entry is fraudulent, and as such, it is damaging to my credit report and undermines my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXXXX/XX/XXXX 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 any 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 of 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 2025-02-17 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXXXX/XX/XXXX 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 any 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 of 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 2025-02-17 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: VA

Complaint narrative:
I am submitting this complaint against EQUIFAX 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, I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I request that my current address be updated accordingly. 




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 non-monetary relief
Consumer complaint received 2025-02-17 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: VA

Complaint narrative:
I am submitting this complaint against EQUIFAX 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, I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I request that my current address be updated accordingly. 




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 2025-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: MI

Complaint narrative:
I received a letter and an attempt to collect a debt I do not own. XXXX XX/XX/XXXXhas sold this debt ( they actually created ) to XXXX XXXX XXXX and this debt was never mine. XXXX XX/XX/XXXXhas sent a letter acknowledging this, see attached. 

Please see CFPB reports : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: Exeter Finance, LLC.
State: TN

Complaint narrative:
I am writing to formally dispute the charge-off and profit-and-loss write-off reported on my credit file in relation to account number 1.Creditor : Exeter finance Account number XXXX XXXX : XXXX XXXX Account number : XXXX My rights under federal law have been violated, and I demand immediate action to correct this matter.

Violations of My Rights 1. Failure to Provide a 1099-C If a debt is canceled, forgiven, or discharged in an amount of {$600.00} or more, creditors are legally required under the Internal Revenue Code ( 26 U.S. Code 6050P ) to issue IRS Form 1099-C. I have not received such documentation, which is a violation of my rights and obligations under federal tax law. 
2. Inaccurate Reporting & Unjust Damage to My Credit If you have claimed this debt as a loss for tax purposes, then legally, you should no longer be reporting it as an outstanding balance on my credit file. Reporting a balance that has been charged off and counted as a loss violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) and is considered inaccurate and misleading.

3. Lack of Validation & Due Process Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I have the right to request validation of any debt being reported or collected. If these charge-offs are inaccurate, and do not comply with legal reporting Im asking that they be remove immediately.

I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account in question is : Creditor Name : XXXX XXXX Account Number : XXXX This account is being reported inaccurately and is a violation of my rights under the FCRA. It is currently listed as a closed account, but I believe this information is incorrect and negatively impacting my credit profile. I request an immediate investigation into this matter and demand that the inaccurate information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/XXXX I made two transfers from the available balance of my savings account to my external checking account. Later I was informed by Marcus that my transfer was denied dispute the funds already being removed. The representative was unable to provide me any information on why this happened. I then decided to close my account and transfer my remaining balance. I received the remaining balance the very next day on XX/XX/XXXX but the not two transfers I made originally. I called and was assured my transfer would be sent to my bank. I was advised that the funds was already withdrawn and there were no issues. I called again in XX/XX/XXXX to make sure that the funds were still being transferred to my external bank and I was assured that it was coming and I needed to wait 1-3 business days. Later that day I was then told my account was temporarily locked and under review. I asked to speak with a supervisor and was told I needed to wait until Monday. When I called today I was told they were not able to verify my information which is ridiculous because I went through all the prompted information and verified my identity several times. I was then told my external bank needs to verify my identity which is also ridiculous because I just received one out of the three transfers. I was then told I needed to fill out a form via mail in order to unlock my account and receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: WY

Complaint narrative:
Complaint Summary Jefferson Capital Systems , LLC has placed today XX/XX/year>, a collection account on my credit report for an alleged debt originating from XXXX  in the amount of {$2800.00}. I was never contacted regarding this debt before it was reported to the credit bureaus, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Issues with the Debt Collection and Credit Reporting 1. No Prior Notice or Validation Opportunity : I have never received any letters, phone calls, or other communications from Jefferson Capital Systems , LLC before they placed this collection account on my credit report.

Under the FDCPA ( 15 U.S.C. 1692g ), a debt collector must send a written notice within five days of their first communication informing me of my right to dispute the debt. Since I received no communication, I was denied my right to dispute and request validation.

2. Debt is Beyond the Statute of Limitations : The alleged debt is over seven ( 7 ) years old.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ( a ) ( 4 ) ), negative credit information can not be reported after 7 years from the date of first delinquency. 
If XXXX XXXX XXXX is re-aging this debt or misreporting the delinquency date to keep it on my credit report longer, this is a serious FCRA violation. 
3. Potential Unlawful Reporting & Re-Aging of the Debt : If XXXX XXXX XXXX has altered the date of first delinquency or misrepresented the age of the debt, this is a violation of FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ).

Creditors and debt collectors are prohibited from furnishing inaccurate information to credit bureaus.

4. Failure to Provide Debt Validation Upon Request : I have since contacted XXXX XXXX XXXX, demanding validation of the debt, but they have failed to provide any documentation proving their legal right to collect this debt.

Under 15 U.S.C. 1692g ( b ), they must cease collection efforts until they provide proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NV

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: VA

Complaint narrative:
Over the last past XXXX yrs I've trying to get these problems resolve the remove it and wait and place it back on my report, I have written letters they say they never receive them, I have tried calling am placed on hold for hrs. 

XXXX i called them they sent me to through XXXX different people, items to my credit report without my permission, nothing was done by the company. 
I've done this several time with letters and phone and nothing is being done.

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 2025-02-17 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: VA

Complaint narrative:
Over the last past XXXX yrs I've trying to get these problems resolve the remove it and wait and place it back on my report, I have written letters they say they never receive them, I have tried calling am placed on hold for hrs. 

XXXX i called them they sent me to through XXXX different people, items to my credit report without my permission, nothing was done by the company. 
I've done this several time with letters and phone and nothing is being done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is the worst bank ever. I have been with Bank Of America for over 13 years. And on XX/XX/XXXX they closed my checking account for no reason without letting me know. It was on the weekend so i have to wait until XX/XX/XXXX and called them to ask what happened? They told me they have the right to close my account and will send me the check for the amount i have left in the account. I asked when? They said XX/XX/XXXX, and i can get it 10 business after XX/XX/XXXX which is around XX/XX/XXXX. I asked them why? They said because i have a dispute claim with BOA and they have to wait for it completed. I said but thats dispute claim is from Credit Card, not Debit card and nothing to relate with checking account. They said it doesnt matter, its still related because its the same BOA. I said ok, i will wait. REMEMBER ALL THE PHONE CALL HAVE RECORDED. So on XX/XX/XXXX, my dispute claim is completed and i called them again to ask if they can send the check sooner. They told me they already sent the check on XX/XX/XXXX. And I NEVER RECEIVED IT. I asked why last time they told me like that, they said they dont know who said that but the check was mail on XX/XX/XXXX. If i dont receive it, i have to wait until XX/XX/XXXX for them to send another check. THIS IS UNACCEPTABLE. BECAUSE THEY CAN JUST VOID THE CHECK and send me the new one because i didnt cash the check. And what if someone received it by accident they may cash it out. They dont even do anything for me, At least have to void the check for safety and send me the new one. Because Im sure they can track if the check cash it out or not. Instead of told me to wait 4 months. THE AGENT TALKED TO ME SO RUDE AND OFF THE PHONE WHEN Im still speaking. Now i dont have money to pay for my bill and Bank of America is holding my money until XX/XX/XXXX. All i have received is only the last bank statement of my account. AGAIN, I NEVER RECEIVED THE CHECK.

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 2025-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Rent Debt Automated Collections, place this on my credit report and it's not mines. In the amount of {$6300.00} on XX/XX/XXXX. I have no knowledge of this debt. I have asked for proof of my signature any information that this account belongs to me. I haven't received anything. My identity was stolen back in XXXX. I have a police report stating that my information was stole.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MOHELA
State: SC

Complaint narrative:
On XXXX XXXX, 2025, a small team of young engineers from XXXX XXXX Department of Government Efficiency ( DOGE ) entered the Department of Education ( DOE ) and gained access to millions of peoples student loan information, including social security and data on parents and spouses. This was carried out with no authorization from me whose data was being accessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 U.S. Code 1681 states that I have the right to report my own consumer report in any way that I choose, and there is no provision in the code that prevents me from exercising that right. Unfortunately, old information is not being removed from my consumer report, and the reporting agency is acting in violation of my rights under this code section. My reporting agency has told me several times that they have the right to report whatever they think is true and forever, even if there is nothing to substantiate those reports. I believe the reporting agency is incorrect, and I am asking that this information be removed from my consumer 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 2025-02-17 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: NC

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian on XX/XX/year>. The CFPB claims that Experian has violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act. The CFPB alleges that Experian : Fails to properly investigate consumer disputes Reinserts inaccurate information into consumer reports Fails to provide consumers with adequate notice of dispute outcomes Fails to use reasonable procedures to ensure the accuracy of consumer information I have been a victim of all of these above-mentioned actions and will seek to join a class action lawsuit against Experian if my demands are not met. I am demanding the follow accounts be removed to a frivolous and unlawful investigation. In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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. Also, I had previously disputed accuracy of these account being mine. Per the FCRA law 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), Me, the consumer, requested the written description of the procedure that was used to investigate my disputes within 5 days of receiving my dispute results. I never received anything in regards to my request per the FCRA law. I am demanding to know the credit reporting agency 's procedure including whom they spoke with, the company name, and the number used to verify my disputes and if my physical signature was witnessed by the credit reporting agency 's investigator. I am also demanding the follow accounts be removed to a frivolous and unlawful investigation. 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 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