vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: MD

Complaint narrative:
XX/XX/year> I tried to retrieve my credit report from TransUnion. My report was never received. The report has multiple unauthorized payments and unrecognizable accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NC

Complaint narrative:
I reviewed a copy of my credit report and to my surprise I found a fraudulent account. This account is hurting my ability to obtain credit.

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 2025-03-25 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: UT

Complaint narrative:
Description of Events and Equifaxs Noncompliance I am a confirmed victim of identity theft. On XX/XX/scrub> 2024, I submitted a formal written dispute to Equifax Information Services LLC regarding fraudulent accounts and inaccurate personal information appearing on my credit report ( Equifax File # : XXXX ). This dispute was sent via USPS Priority Mail with tracking number XXXX, and included all legally required documentation under the Fair Credit Reporting Act ( FCRA ) : A completed FTC Identity Theft Report A police report documenting the identity theft Four forms of valid government-issued ID A detailed explanation identifying each inaccurate item for removal Despite receiving this complete and timely dispute package, Equifax failed to fulfill its legal obligations under federal law. Specifically : Equifax did not block or remove fraudulent accounts as required by FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates blocking identity-theft-related information within four business days of receiving proper documentation.

Equifax failed to respond or conduct a reinvestigation under FCRA 611, which requires credit reporting agencies to reinvestigate disputed information within 30 days. 

Equifax continued to report multiple inaccurate addresses, phone numbers, and employer data in violation of FCRA 1681e ( b ), which requires reasonable procedures to assure maximum possible accuracy in all reported data. 

Equifax failed to place or update a proper fraud victim alert, and the alert that was previously on file listed an outdated, invalid phone number ( ( XXXX ) XXXX ) rather than my verified contact number ( ( XXXX ) XXXX ). This violates FCRA 605A and undermines the purpose of the alert. 

Equifaxs willful or negligent noncompliance with the FCRA has resulted in continued harm to my credit standing, increased risk of identity theft recurrence, and a failure to protect me as required by law. I have not received any written confirmation, corrected report, or lawful communication from Equifax regarding this dispute. 

Accordingly, I am demanding full removal of all fraudulent and inaccurate information, written confirmation of compliance, and a corrected credit report. Equifaxs continued failure to act lawfully will result in escalation, including formal regulatory complaints, litigation, and a demand for statutory, actual, and punitive damages under FCRA 616617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I DEMAND Cease and Desist Demand ( 15 USC 1692 ( a ) ( B ) ) This letter also serves as a formal cease and desist demand under the Fair Debt Collection Practices Act ( FDCPA ), Section 15 USC 1692 ( a ) ( B ).

Under this law, I am requesting that you immediately cease and desist from : Reporting or sharing any information related to this account or debt under my personal information with any third parties, including credit reporting agencies.

Engaging in any further collection activities that violate the provisions of 15 USC 1692 ( a ), which prohibits abusive, deceptive, or unfair debt collection practices.

Failure to comply with this demand will constitute a violation of federal law and may result in legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: Ava Finance, Inc
State: FL

Complaint narrative:
Ava finance has been one of the most difficult companies to get in touch with regarding faulty credit reporting due to their low business standards and fraudulent explanations of account data. At Ava finance I have an account that I closed in XXXX that was still reporting in XXXX as a late payment. My account had been XXXX in XXXX and they reported another late payment then when they gave me no option as a way to pay them on my account, I tried endlessly to reach them from multiple email addresses to get replies within XXXX hours, never addressing the question or concerns that I had about my account it wasnt until I went to the Better Business Bureau that I got a response from a manager XXXX. They then proceeded to email me and close my case in XXXX hours without giving me the ability to respond to their email. When I went to respond, the case was closed and they had deleted all of their emails to me. They know that they are fraudulent and they dont care. My credit is ruined because of them not being able to updated software to fix the issues or allow users to contact them or cancel their accounts if XXXX. They still have my money and there is no way of releasing it because the software. They are a scam company and have stolen my money, my time and ruined my credit. Im reporting them to the police. I have police reports from when I was hacked and identity theft issues. They dont care about the facts. The last email I got said they were closing my case and they deleted all of the emails they send to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Notice to JPMCB CARD From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To : JPMCB CARD XXXX XXXX XXXX XXXX, DE XXXX Subject : Cease and Desist Demand Regarding Account No. XXXX Dear JPMCB CARD, I am writing to formally request that you cease and desist all actions regarding my account numbered XXXX. This request is made under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692 ( a ) ( B ).

Cease and Desist Demand : Reporting or Sharing Information : I request that you immediately cease and desist from reporting or sharing any information related to this account or debt under my personal information with any third parties, including but not limited to credit reporting agencies.

Collection Activities : You are also required to stop engaging in any further collection activities that may violate the provisions of 15 USC 1692 ( a ). This law prohibits abusive, deceptive, or unfair debt collection practices.

Please be advised that failure to comply with this demand will constitute a violation of federal law and may result in legal action against your company.

I expect your prompt attention to this matter and look forward to your written confirmation that you have complied with my requests. 
Thank you for your immediate attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
I am filing this complaint against MOHELA due to persistent errors with my student loan account since XXXX of 2024. Since then, I have been unable to access my account, as the system repeatedly states that no such account exists. However, the studentaid.gov website clearly shows that I have a balance and active loans serviced by MOHELA. Despite going through the account recovery process, I am still met with the same message indicating no account exists. I have reached out to customer service for assistance, but they have failed to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

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 2025-03-25 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: FL

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: SC

Complaint narrative:
Complaint Against Experian for FCRA Violations and Improper Dispute Handling I am filing this complaint to report Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ) and properly address disputes regarding inaccuracies on my credit report. Despite multiple letters I sent to Experian, they have not complied with their obligations under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). These inaccuracies have severely impacted my credit score and financial opportunities.Additionally, I recently became aware of the CFPB 's lawsuit against Experian for conducting " sham investigations '' into consumer disputes and reinserting previously removed inaccuracies. My experience aligns with these allegations, as Experian has failed to investigate my disputes thoroughly and has allowed errors to persist on my credit report. 

Accounts : 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 non-monetary relief
Consumer complaint received 2025-03-25 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: SC

Complaint narrative:
Complaint Against Experian for FCRA Violations and Improper Dispute Handling I am filing this complaint to report Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ) and properly address disputes regarding inaccuracies on my credit report. Despite multiple letters I sent to Experian, they have not complied with their obligations under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). These inaccuracies have severely impacted my credit score and financial opportunities.Additionally, I recently became aware of the CFPB 's lawsuit against Experian for conducting " sham investigations '' into consumer disputes and reinserting previously removed inaccuracies. My experience aligns with these allegations, as Experian has failed to investigate my disputes thoroughly and has allowed errors to persist on my credit report. 

Accounts : 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 2025-03-25 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: NC

Complaint narrative:
I am writing to file a complaint regarding an auto loan account with XXXX that has been inaccurately reported on my credit report. This account, which is listed as a repossession on my credit report, is still showing on my XXXX and TransUnion reports, despite it being past the XXXX reporting limit for negative information. 

Here are the specific details of the account : Account Name : XXXX XXXX XXXX Account Type : Auto Loan Account Number : XXXX Open Date : XX/XX/XXXX Current Status on XXXX XXXX TransUnion Reports : Repossession Date of Repossession : XXXX I am requesting that this account be removed from my credit reports with XXXX and TransUnion, as it has now been over XXXX  years since the reported date of deliquency. Under the Fair Credit Reporting Act ( FCRA ), negative information such as a repossession should not remain on a credit report for more than XXXX years from the date of the initial delinquency ( Section 605 ( a ) ( 4 ) ). 

It is important to note that XXXX has already removed this account from my credit report. In XX/XX/XXXX, the account appeared on my XXXX credit report, but as of XX/XX/XXXX, it has been removed. I request that the same action be taken for my XXXX and TransUnion reports in accordance with the FCRA, particularly XXXX XXXX, which mandates that credit reporting agencies must investigate disputes and correct inaccuracies within XXXX  days. 

Furthermore, the continued reporting of this outdated information by XXXX and TransUnion, despite XXXX removal, constitutes a violation of the principle of equitable treatment, as all three bureaus should treat this account the same way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope this message finds you well. I am writing to formally dispute the inaccurate information currently listed on my credit report. Upon reviewing my report, I noticed discrepancies that do not reflect my actual credit history.

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 2025-03-25 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: CA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. 

On XX/XX/XXXX of 2025 I contacted XXXX Bank customer support after receiving calls from them saying my payments were not going through when in fact my payment method at {$2000.00} in the account on a regular basis. Through further investigating the customer support representative saw that the autopayment function had and error. From then on I paid the next month manually on the XXXX of XX/XX/year> I then still received a missed payment on my consumer report. Additionally I did the same for the month of XXXX and I received another missed payment on my consumer report. I then paid the debt off completely. I would like to get the missed payments removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ). as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NV

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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted proof that I was making childsuport payments with my paystubs and they needed to stop the false inaccurate reporting they removed the account and put it right back account ending with XXXX balance of 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 non-monetary relief