vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Subject : Demand for Deletion of Fraudulent Items from Credit Reports Identity Theft Victim Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and to demand immediate deletion of all fraudulent accounts, inquiries, and addresses from my credit reports with Equifax, Experian, and TransUnion under my rights afforded by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c-2. I am a documented victim of identity theft, and I have submitted the following to each credit bureau : 1. A copy of my official FTC Identity Theft Report ( FTC Report Number : XXXX ) 2. ID AND SOCIAL SECURITY CARD Despite these submissions, the following fraudulent accounts and information remain on my credit reports : Fraudulent Accounts : XXXX XXXX XXXX Account # XXXX {$1000.00} XXXX XXXX XXXX Account # XXXX {$470.00} XXXX XXXX XXXX Account # XXXX {$310.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX  Fraudulent Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX I never resided at these addresses, nor did I authorize, apply for, or open any of the above accounts or inquiries. Under FCRA 605B, I am entitled to have all fraudulent information resulting from identity theft blocked and permanently removed from my credit reports within 4 business days of receiving proper documentation. These credit bureaus have failed to comply with this federal law. I demand immediate deletion of the above-listed fraudulent accounts, inquiries, and addresses from my credit reports with all three credit bureaus ( Equifax, Experian, and TransUnion ) in full compliance with FCRA 1681c-2, and request that the CFPB initiate an investigation into this matter. Please keep me informed about the status of this complaint. I am seeking full remediation, including permanent removal of the fraudulent items and compliance with all legal obligations under the FCRA. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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 contacted experian and equifax, this is something that was ongoing through XXXX and I gave up just before XXXX, because I kept giving them the information they asked for then getting run around in circles. Equifax was even harder to deal with than experian ; I ended up needing to pay off collections that were the result of XXXX XXXX to try to get into housing. But they didnt honor their own policies when I gave them the information they requested to clean up my credit report.

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 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
They closed my account after I started a business account and told them I had a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
My name I XXXX XXXX, I '' ve Been dealing with this never ending debt collector that keep on selling my account from one to another. somebody stole my identity start from XXXX XXXX. I never known and never have any business with this company. this company does not even have a service in Ca. the problem was resolved after i report to FTC and CFPB. but now they keep on selling my account to another Debt collector company which is RADIUS GLOBAL SOLUTION the address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. Please FTC and CFPB help me. This is ruin my credit that I've been keeping in perfect standing for so hard. I attached document from previous case. somebody using my name live in XXXX XXXX. I never live and have any relative or friend who live in XXXX XXXX. Thank you CFPB.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir or Madam : I am formally requesting the immediate removal of the XXXX XXXX XXXX automobile loan tradeline from my credit reports due to persistent and unresolved inaccuracies. Significant factual inconsistencies remain despite multiple disputes filed with XXXX, XXXX, and Equifax, along with a previous CFPB complaint. Each bureau has repeatedly verified this account as accurate, yet each continues to report conflicting information, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Detailed Dispute History : 1. XXXX : CFPB Complaint # XXXX, filed XX/XX/XXXX ; XXXX responded XX/XX/XXXX, stating the account was " verified as reported. '' 2. XXXX : Dispute Report # XXXX, generated XX/XX/XXXX ; XXXX claimed the account was " updated and verified to be reporting current and accurate data. '' 3. Equifax : Dispute Report # XXXX, generated XX/XX/XXXX ; Equifax also claimed the account was " updated and verified to be reporting current and accurate data. '' Despite these " verifications, '' the TD Auto Finance tradeline still reports discrepancies across bureaus, including : Account Open Date discrepancy ( XX/XX/XXXX vs. XX/XX/XXXX ) Last Payment Date mismatch ( XX/XX/XXXX vs. XX/XX/XXXX ) Original loan amount inconsistency ( {$79000.00} vs. {$5900.00} ) Loan Term reporting inconsistency ( 73 months vs. not reported ) Contradictory dispute status remarks ( resolved vs. reinvestigation in progress ) These contradictions confirm that the account information can not possibly be fully accurate on all three credit reports simultaneously. Continued reporting of this inconsistent and unverifiable data constitutes a direct violation of FCRA requirements for accuracy and completeness. 

I appreciate your immediate attention to this matter and request prompt action to ensure the integrity and accuracy of my credit reporting. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: United Shore Financial Services, LLC
State: MD

Complaint narrative:
I asked XXXXXXXX XXXX XXXX to remove inaccurate late payments because I did not give them written permission to report anything to my credit file. I also asked for a notice of negative impact that was supposed to be issued 21 days before the due date of the payment. Furthermore, they reported that I have paid XXXX toward the balance and on other reports, they reported that I have been late clearly inaccurate and controversial reports all unverified, inaccurate and untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: IL

Complaint narrative:
This is a formal demand for the immediate deletion of inaccurate and unverifiable late payments appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, Metro 2 Compliance, and XXXX XXXX XXXX XXXX ( XXXX ) reporting standards, any late payment that can not be fully verified with complete and accurate records from the original creditor must be deleted immediately. 

Additionally, per XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ), you are 100 % liable for reporting inaccurate data, whether received from a furnisher or not. If you continue to report false or unverifiable information, you will be in direct violation of FCRA 1681e ( b ) for failure to maintain maximum possible accuracy and FCRA 1681s-2 ( b ) for willful 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 explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute the collection account ( COLLECTIONS USA INC ) listed on my XXXX credit report and to demand that you cease all collection activities related to this account immediately. 

Account Details : Creditor Name : [ XXXX XXXX XXXX ] Account Number ( if available ) : [ XXXX ] Amount in Dispute : [ {$3500.00} ] Date Reported : [ XXXX XXXX ] The debt does not belong to me, The amount is incorrect, I have never received validation of this debt, or This account is past the statute of limitations. ] Cease and Desist Demand Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am requesting that you cease all collection efforts, including phone calls, emails, and written correspondence. If you believe this debt is valid, you must provide proper debt validation as required under the Fair Credit Reporting Act ( FCRA ) and FDCPA before continuing any collection attempts. 

Formal Dispute Request Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am formally requesting that this account be investigated and removed from my XXXX credit report immediately if you can not provide verifiable evidence of its accuracy. Failure to respond appropriately within 30 days will result in my filing complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Attorney Generals Office in my state I request a written response confirming the removal of this collection or a copy of the validation documents. 

This letter serves as official notice that failure to comply with my request may result in legal action for violations of the FCRA and FDCPA. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
As Stated In My First Claim On XX/XX/XXXX at XXXX pm, I Was The XXXX XXXX XXXX XXXX where my XXXX XXXX XXXX XXXX XXXX from me and I was XXXX XXXX XXXX XXXXl due to XXXX XXXX so when i left XXXX XXXX and began getting my belongings back together i noticed that i had unathorized charges on my bank account while i was XXXX XXXX XXXX. so I immediately informed chase and let them no the charges were Fraudulent, so after waiting XXXX XXXX for my money to be return I called Chase and they told me my claim was denied and to provide documents yet never informed on those exact documents or the reason for the denied claim. The First Transaction was for {$2300.00}, The Second Transaction Was for {$2800.00}. Chase Denied My Fraudulent Claim Even After I Informed Them That I XXXX XXXX due to my injuries and ive been a customer for a very long time so this was very disheartening

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: POM Recoveries, Inc.
State: NY

Complaint narrative:
POM Recoveries, XXXX. XXXX, have been harassing me about a debt of {$300.00} that was paid off on XX/XX/year>. It was the final one time payment made on the remaining debt of {$300.00} out of an {$1100.00} total debt that has been getting paid off since last year spring. The bank has confirmed that the payment of {$300.00} has went through and cleared to POM Recoveries on XX/XX/year>, which has also showed up on the bank statement for XXXX. POM Recoveries sent a notice dated XX/XX/year>, claiming the debt is still owed. It's been XXXX XXXX now, and the account has not been 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 2025-03-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-31 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:
Credit report shows an account from company that is not mine.

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 2025-03-30 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: United Shore Financial Services, LLC
State: MD

Complaint narrative:
I asked United wholesale Mortgage to remove inaccurate late payments because I did not give them written permission to report anything to my credit file. I also asked for a notice of negative impact that was supposed to be issued 21 days before the due date of the payment. Furthermore, they reported that I have paid XXXX toward the balance and on other reports, they reported that I have been late clearly inaccurate and controversial reports all unverified, inaccurate and untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As a victim of identity theft, I have taken significant steps to rectify the inaccuracies, including submitting a certified mail package containing all supporting documents, including an FTC identity theft report. I have evidence confirming that Transunion received these documents on XX/XX/year>. 

However, in a conversation with a Transunion representative today XX/XX/year>, I was informed that my documents were not received until XX/XX/year>. This discrepancy raises concerns about their handling of my dispute and may suggest that my efforts to correct the inaccuracies on my credit report are being unduly delayed.

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 2025-03-30 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: TN

Complaint narrative:
Experian has dealt with a breach and I was affected by this breach. My information was shared and exposed. Now there are inquiries on my credit reporting that doesn't belong to me. Also, names and addresses that do not belong to me. I need those inquiries removed and false names and addresses removed or I will be contacting my lawyer. Due to Experians data breach I need to be compensated and these unknown names, addresses and inquiries need to be removed.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I submitted a factual dispute to Midland Credit in XXXX regarding inaccurate information being reported on my credit file. I requested validation of the account and asked that the information either be properly verified or removed from my credit report. The dispute was approved ; however, the inaccurate information continues to be reported. 

According to the FCRA, furnishers of information are required to investigate disputes and ensure that only accurate and verifiable information is reported. Failure to correct or remove inaccurate information violates federal law and undermines the integrity of the credit reporting system. 

I am requesting immediate action to ensure compliance with the FCRA by correcting or removing the inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Its currently XX/XX/year> and Goldman Sachs in partnership with my AppleCard does not provide timely updated balances to the credit bureaus. I have an old balance reflecting from XXXX and I believe that balance isnt even accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
I am writing to request that you ensure my credit profile contains only accurate, current, and complete information as mandated by the Fair Credit Reporting Act ( FCRA ). Under the Fair Credit Reporting Act 15 U.S. Code 1681e, A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Any information provided that does not meet these standards should be permanently and immediately removed. I do not authorize the reporting of any fraudulent, incorrect, or inaccurate information now or in the future. Upon reviewing my credit profile, I have identified inaccuracies as well as potential fraudulent names, addresses, employers, spouse or co-applicants, and phone numbers. See the attached letter and supporting documentation.

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 2025-03-30 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: CA

Complaint narrative:
On XX/XX/year> I discovered that I was a victim of identity theft involving multiple fraudulent accounts. I did not open or authorize the following. XXXX XXXX  - Account number XXXXXXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  - XXXX late payments I am requesting these accounts be investigated and removed from my credit report. This fraudulent activity has caused financial and personal distress, and would appreciate your prompt response in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I am now being garnished since XX/XX/XXXX, this vehicle was put under voluntary repossession status back in XXXX, and the vehicle was sold at auction for less than the balance owed. XX/XX/XXXX I called and spoke with an agent with Ally Financial, by the name of XXXX, who advised me that there was nothing more I needed to do and that the loan was Paid in Full, I have requested that they try to locate this call clearing my name as well as the debt, however, they continue to try and garnish me for something I was advised was no longer for me to pay. This is a time-barred debt that should not be impacting me any longer. I appreciate any assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: AZ

Complaint narrative:
XXXX XXXXXXXX XXXX Balance owed : {$570.00} I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, Engelhardt v GRAVENS ( MO ) 281 SW 715 719 I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
Recently i looked at copy of my credit report and noticed a several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these this item for me to ensure occuracy. 
Here is the item I am asking you to verify as accurate : 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