vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I received written confirmation from XXXX XXXX XXXX regarding two medical collection accounts originally tied to XXXX XXXX XXXX 

File # XXXX Current Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX. 

File # XXXX Current Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX. 

The collector confirmed that : Both accounts were settled in full and the balances are now XXXX. 

All collection activity has ceased and their files are closed. 

They have already submitted deletion requests to Experian, Equifax, and TransUnion, advising that it may take 3060 days for the updates to appear. 

Despite this, these accounts remain listed on my credit report as active derogatory collections. This makes the reporting inaccurate, incomplete, and misleading, violating FCRA 607 ( b ) ( accuracy ) and FCRA 611 ( a ) ( reasonable reinvestigation ). 

I am requesting that the credit reporting companies honor the furnishers deletion request, correct my file immediately, and confirm deletion in writing. 

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 Account details XXXX File Number : XXXX Current Creditor : XXXX XXXX XXXX XXXX Current Creditor Account : XXXX Original Creditor XXXX XXXX XXXX XXXX Creditor Account : XXXX Dear Sir/Madam, Please be advised that the above account has been settle in full with this office. We have closed our files and ceased all collection activity, and the account balance is XXXX. If you have any questions, please feel free to contact this office. 
* Please be advised that we have submitted a request to delete this account from your credit report. Please allow 30 to 60 days for the bureaus to update their records. 

This Communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Nature of Complaint The credit reports contain inaccurate, inconsistent, and unverifiable information across TransUnion, Experian, and Equifax. Despite submitting disputes with full proof of identity and residencyincluding drivers license, Social Security card, and proof of addressthe credit bureaus have responded with stall letters claiming that the disputes were not initiated by him. Problem Accounts ( Examples ) full accounts in attachments. My name should only be XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conflicting balances and statuses between TransUnion and Experian ; Equifax lists differently. 

XXXX XXXX Accounts ( Multiple ) Duplicate charge-offs with varying balances ( {$630.00}, {$160.00} ) reported inconsistently. 

XXXX XXXX XXXX XXXX Charge-off listed with repetitive delinquencies after account closure. 

Other Retail/Finance Accounts Closure reasons differ by bureau ( paid as agreed vs. canceled by credit grantor ), suggesting inconsistent reporting. 

Dispute History The complainant has continuously disputed inaccurate items on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> ( most recent dispute sent to all three bureaus ) For each dispute, supporting documentation was attached, including : Proof of address Copy of drivers license Copy of Social Security card Despite this, the complainant received multiple stall letters from the credit bureaus claiming the dispute was not submitted by him. 

Violations of Law 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i : Failure to properly reinvestigate disputes within 30 days. 

Failure to honor consumer identity verification : Stall letters issued even with government-issued proof provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Asked Chase to provide the total interest paid over the years and payment, since I made a XXXX payment towards the balance and Chase close the account without any notice the day after. Already paid a lot on interest, need to know the total amount to further analise and take action. Also, Chase nor reopen or refund me, so I am not able to pay and need a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the XXXX  entry appearing on my credit report. I have never filed for XXXX, and this record is both false and damaging to my credit standing.

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 2025-09-02 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: OH

Complaint narrative:
From XX/XX/XXXX, to XXXX of XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX damage my credit by unfair credit reporting practices and void my credit card account. I was never provided with a proper investigation for one year when this were a chargeback account with the merchant on XX/XX/XXXX, but kept violating my legal rights and reporting debt that was void. Due to the unfair credit reporting violation to the three Credit Bureaus, damage my credit score and caused my credit worthy to decrease nor did they make any effort to remove the outstanding debt account until I filed a complaint with the proper authorities regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: MI

Complaint narrative:
These fraudulent accounts are not mine and must be cleared within 15 days as required by USC 1681g.

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 2025-09-02 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Chexsystems failed to adhere to the laws pertaining to identity theft, I sent an ftc report and letter highlighting the fraudulent accounts or inquiries. They didnt remove all of the fraudulent inquiries. 

The furnisher must provide sufficient evidence to refute the claim of the consumer for identity theft. Sufficient evidence is not confirmation that my information was submitted and everything was correct. That would mean no claim of theft would stand. Due to breaches and the dark web no ones information is safe and therefore it is imperative that any and all accounts that are open be 100 % confirmed by evidence that is irrefutable and attests to maximum accuracy that the consumer did in fact apply for and received goods as a result of the account being opened. 

These inquiries were from attempts to open an account and Im not disputing that because I can see it on my report. Im asking for the evidence following the guidelines of 15 U.S.C. 1681eb that requires MAXIMUM accuracy ( not circumstantial or even substantial ) that invalidates my claim of being a victim of identity theft. These inquiries from my understanding, were done ONLINE. No face to face no handshakes. 

Please provide written confirmation once the fraudulent inquiries have been removed and ensure that my consumer file is corrected accordingly. 
Failure to comply is a willful or negligent violation of the FCRA, making you liable for : XXXX. Statutory damages ( {$100.00} {$1000.00} per violation ) XXXX. Actual damages XXXX. Punitive damages ( for willful noncompliance ) 4. Attorneys fees and court costs ( 15 U.S.C. 1681n, 1681o ) YOUR CLAIMS OR BELIEFS THESE INQUIRES WERE MADE OBY ME DO NOT CARRY LEGAL WEIGHT. MY DOCUMENTATION HOWEVER DOES CARRY LEGAL WEIGHT AND WILL BE USED TO THE FULL EXTENT OF THE LAW. THE LAWS OF THE GOVERNING BODIES DO NOT SAY FOLLOW THEM IF YOU BELIEVE THE CLAIMS. THE LAW REQUIRES YOU TO FOLLOW IT REGARDLESS OF YOUR BELIEF WITH OR AGAINST THE CLAIM. CONSUMER REPORTING AGENCIES REPORT INFORMATION, NOT PLAY JUDGE AND DECIDE, DESPITE SUFFICIENT DOCUMENTATION, IF A CLAIM IS VALID OR NOT. THERE ARE PUBLISHED AND DOCUMENTED CASES WHERE PEOPLE HAVE USED FAKE ID TO GET THINGS NOTARIZED AND OPENED USING A VICTIMS STOLEN IDENTITY.THIS IS NOT MY ACCOUNT! APPLYING IS EVEN EASIER DUE TO THE INTERNET. 

AFTER THIS I WILL BE LEFT WITH NO CHOICE BUT TO PURSUE LEGAL ACTION WHERE I WILL SUBMIT IRREFUTABLE EVIDENCE THAT CONFIRMS DUE TO A LEGAL STIPULATION THAT IT WAS IMPOSSIBLE FOR ME TO HAVE OPENED THIS OR RECEIVED GOODS OR SERVICES. 


i have included a police report in addition to the ftc report from last time

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 2025-09-02 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: TX

Complaint narrative:
This complaint is intentional and not a mistake. My credit report contains erroneous and inaccurate information that is not being reported with complete accuracy. These errors are causing me unnecessary stress and are having a serious negative impact on my life. My loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating especially in this economy, I wouldn't even be able to afford help due to my low credit scores as I am negatively and unfairly affected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
XX/XX/XXXXXXXX account XX/XX/XXXXXXXX reporting inaccurate information on my credit report. 60 days late payment on a paid on time account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A written notice was sent to all creditors and credit reporting agencies to adhere to the notice at hand on XXXX XXXX Subject : Formal Dispute - Immediate Removal of Collections/Charge-Offs, Student Loan Updates, and Cease & Desist Negative Reporting To Whom It May Concern : This letter serves as a formal dispute of derogatory information currently reported on my credit file, including collections, charge-offs, and inaccurately documented student loans. I request the following corrections based on my attached private contract records and supporting XXXX filings ( UCC XXXX XXXXXXXX, XXXX XXXX, filed XXXX XXXX : XXXX. Remove all collections and charge-off accounts. 

XXXX. Update all student loans to " Paid as agreed ''. 

XXXX. XXXX Account XXXX XXXXXXXX : Show balance as XXXX and status as " Paid as agreed '' per my private contract records. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Show balance as XXXX and status as " Paid as agreed '' per my private contract records. 

This notice is provided pursuant to the following Fair Credit Reporting Act ( FCRA ) provisions : - 15 U.S.C. 1681i ( a ) : Reinvestigation and deletion of unverifiable or erroneous data.

- 15 U.S.C. 1681c ( a ) : Timely removal of adverse information.

- 15 U.S.C. 1681s-2 ( b ) : Duty of furnishers to correct information.

- 15 U.S.C. 1681b : Limits on permissible uses of consumer data.

- 15 U.S.C. 1681n, 1681o : Civil liability for violations.

You are required to block and update these items within four ( 4 ) business days from receipt of this letter. Failure to cease and desist all negative reporting will result in formal complaints to the Attorney General 's Office, Secretary of State, FTC, and CFPB for investigation and potential enforcement. 

Please provide written confirmation once the updates and removals have been completed in accordance with statutory requirements and my attached documentation. 

Sincerely, XXXX XXXX XXXX ( last XXXX digits ) : XXXX ] Attachments : - XXXX Financing Statement / Private Contract ( XXXX XXXX XXXX XXXX XXXX XXXX ) Additional Account Instructions : - XXXX XXXX XXXX XXXX XXXX  Balance XXXX, Paid as agreed - XXXX XXXX XXXX XXXX XXXX : Balance XXXX, Paid as agreed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-03 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:
These accounts were created without my permission and are fraudulent. I request urgent removal and a complete inquiry. Documentation is included.

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 2025-09-03 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:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate 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 2025-09-03 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
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 explanation
Consumer complaint received 2025-09-03 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: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I am writing to dispute the validity of the alleged debt referenced above, which you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby request that you provide proper validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
On or about XX/XX/year> I disputed several inaccurate or unverifiable accounts and hard inquiries on my credit report with Experian. The bureau responded that the items were verified, but did not provide any documentation or explanation of the verification. 
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) to a reasonable reinvestigation and disclosure of the method of verification. The bureau has not provided the procedure used to verify these items or identified the furnishers who verified them, as required under 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ). 
Disputed items include : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested action : XXXX. Conduct a reasonable reinvestigation of each item. 
XXXX. Delete or correct any information that can not be verified. 
XXXX. Provide the method of verification, including the name, address, and telephone number of each furnisher that verified the disputed 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 explanation