vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-09 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: GA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submotted a FTC complaint reporting the information i am not familiar with. 

Please find attached copy of my ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in national data breach and a validation of debt Letter.

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 2025-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: LA

Complaint narrative:
I would like to file a complaint against the following : XXXX XXXX Cedar Business Service ( Acct # XXXX ) California Dept of Transportation ( XXXX ) Referenced is XXXX Report XXXX XXXX resulting from a dispute I filed against Cedar Business Service , who claims that I owe XXXX {$5900.00} which is now in the collection agency lowering my credit score. Back in XX/XX/XXXX I began working for XXXX as a XXXX XXXX XXXX XXXX  making $ XXXX. I worked for about three ( 3 ) weeks and during this time, I was told by Human Resources that there was some confusion as to which department would pay me. Anyways, as far as I was concerned, I was satisfied when my just due was paid on time and nothing more, ,.was not concerned from whom it came. This has been explained to Cedar Business Service and XXXX over and over but to no avail. The XXXX dispute proved to be nothing but a waste of time as Cedar Business Service accepted and pedaled XXXX lie to them without any proof. When calling XXXX concerning the dispute decision XXXX XX/XX/XXXX, specifically to inquire as to what kind of proof Cedar Business presented and after holding forever, they claimed no audio and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX Equifax & XXXX I am writing to formally dispute certain information on my credit report under Section XXXX of the Fair Credit Reporting Act ( FCRA ). I have reason to believe that there are inaccuracies that may have resulted from negligence or failure to fulfill the duties required by the credit reporting agency.

Upon reviewing my credit report, I have identified the following issues, which I believe to be the result of incorrect or incomplete reporting : Account Name : National credit systems Account Number : XXXX Disputed Information : fraudulent account and shouldnt show past due balance. & also XXXX removed it off my credit but not Equifax and XXXX. 

According to FCRA Section 1681, consumer reporting agencies have a legal obligation to ensure the accuracy and completeness of the information in their reports. I am asserting that the inaccurate reporting on my credit report has harmed my creditworthiness and is potentially due to negligence, failure to investigate, or inadequate verification of the provided information.

I kindly request that you investigate the accuracy of this information and correct any inaccuracies promptly, as outlined in the FCRA. Additionally, under Section 1681o, I am asserting that I am entitled to damages resulting from any negligence on your part, as this error may have impacted my ability to secure credit or caused undue harm to my financial situation.

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 2025-03-09 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: TX

Complaint narrative:
I am disputing the above-referenced debts. Please verify this debt as required by the Fair Debt Collection Practices Act Because I am disputing this debt, you should not report it to the credit reporting agencies. I noticed some things are incomplete and not accurate .If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates.

I sent a letter asking them them to reinvestigate these accounts because the opening date is not reporting correctly, date last active, date of correct., These accounts are not active.

Aside from verification of the debt, do not contact me about this debt.

The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. Please send updated credit report. Follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE Due to data breach, pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act.

I recently discovered that my personal information has been compromised and fraudulently used to create accounts.

Under the law, i am entitled to have these accounts deleted from my credit report and blocked for future use. I will send in my driver license, copy of ftc, and proof of address

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

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/year> XXXX : XXXX My First & Last name are as follows : XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

My First & Last name are as follows : XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Thank 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 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I was scammed into sending {$100.00} via XXXX to a fraudulent moving company who used fraudulent credentials and deceptive communication to induce me to send a payment. When I realized this, I contacted Chase Bank on XX/XX/XXXX to dispute the transaction, but they only treated it as a courtesy check by contacting the recipients bank. 

A week later, on XX/XX/XXXX, I followed up and was told my dispute was denied. I requested a formal explanation of why the bank did not apply Regulation E to my claim. The bank refused to provide a written explanation and instead insisted verbally that Regulation E does not apply to XXXX. They also falsely claimed that XXXX terms and conditions override federal protections. 

Additionally, my bank dismissed any responsibility to attempt recovery from the recipients ACH account, which is held at the same bank. Meanwhile, this scam operation continues to defraud others, as evidenced by multiple recent complaints online, further underscoring the need for proper action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Nelnet, Inc.
State: OH

Complaint narrative:
Nelnet did NOT contact me about any students loans that were late or due. I woke up on Friday to notice that my credit score dropped XXXX points from a XXXX to the XXXX due to them reporting that I had 15 late payments past 90 days. I have no emails or missed calls regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S.

Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. In accordance with 15 U.S.C. 1681i ( 7 ) I dispute this account as it lacks valid verification and evidence making it a violation. Please delete this inaccurate information promptly.

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

Complaint narrative:
I checked my credit report and realized there is fraudulent activity on my report and it is hindering me from being approved for any 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 2025-03-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/year> XXXX : XXXX My First & Last name are as follows : XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

My First & Last name are as follows : XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Thank 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 explanation
Consumer complaint received 2025-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM A PART OF THE TRANSUNION DATA BREACH AND MY INFORMATION HAS BEEN USED HERE ARE THE UNAUTHORIZED INQUIRIES. 
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 2025-03-09 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered multiple inaccuracies in the reporting of my accounts. Some accounts are showing incorrect past-due balances, payments that were made but not reflected, and errors in account status. These inaccuracies are significantly affecting my credit score and financial opportunities. I have not received any notification or explanation for these discrepancies.

I am requesting a formal investigation under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy of these reports. If the disputed accounts can not be fully verified with documented proof, they must be corrected or removed from my credit file immediately. I also request a written confirmation of the results of this investigation within the legally required timeframe.

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 2025-03-09 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: LEXISNEXIS
State: CA

Complaint narrative:
Dear Sir or Madam, I am writing to formally notify the Federal Trade Commission ( FTC ) of a significant data breach that occurred at XXXX, one of the major consumer credit reporting agencies. This breach has compromised the personal information of approximately 147 million individuals, making it one of the largest data breaches in history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: NJ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Being told from Equifax and XXXX also XXXX that they cant remove these negative reports from from credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally request clarification regarding an alleged debt that your agency claims I owe. Under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681b and 15 U.S.C. 1692g, I am entitled to request and receive specific information related to this debt.

I would like to highlight that I have never entered into a legally binding contract with your agency that would indicate I owe any amount. Furthermore, I believe the original creditor may have engaged in fraudulent practices.

In accordance with the FCRA, I am requesting the following information to verify the validity of this alleged debt : 1. The date of first delinquency.

2. The date of the last payment.

3. The date of charge-off.

4. The chain of assignment for this debt.

Additionally, I would like to request a purchase order that includes all parties involved in this alleged debt, along with signed proof that you have the legal right to collect this debt in Texas.

Please provide this information at your earliest convenience. Failure to provide adequate verification may result in a request for statutory damages due to the furnishing of inaccurate information regarding this debt. 

Thank you for your attention to this matter. I look forward to your prompt response.

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

Complaint narrative:
I hope youre doing well. Im writing because Ive noticed an inquiry on my credit report that I absolutely did not authorize. I never gave them permission to pull my credit, and Im concerned this might be an error or even a case of fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It showing that I have a late payment which I never missed a payment on this account I been having this credit card since XXXX  and have never missed a payment, Im asking that this late payment be removed immediately within 4 days.

A fair resolution will be for Experian, Transunion and Equifax to obey these Laws FCRA 605B ( 15 U.S.C. 1681c-2 ) 15 USC. 1681 ( e ) ( b ), 15 USC. 1681i 5, 15 USC 1681, 15 USC 6801 ( a ) ( b ) 15 USC. 1666 B and remove all fraudulent accounts, inaccuracies, collections, charge offs, inquiries, late payments stated

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 2025-03-10 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: CA

Complaint narrative:
It showing that I have a late payment which I never missed a payment on this account I been having this credit card since XXXX  and have never missed a payment, Im asking that this late payment be removed immediately within 4 days.

A fair resolution will be for Experian, Transunion and Equifax to obey these Laws FCRA 605B ( 15 U.S.C. 1681c-2 ) 15 USC. 1681 ( e ) ( b ), 15 USC. 1681i 5, 15 USC 1681, 15 USC 6801 ( a ) ( b ) 15 USC. 1666 B and remove all fraudulent accounts, inaccuracies, collections, charge offs, inquiries, late payments stated

Company response to consumer: Closed with explanation