vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
COMPLAINT TO CFPB INACCURATE AND DAMAGING REPORTING IN VIOLATION OF FEDERAL LAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/scrub>XXXX To : Consumer Financial Protection Bureau ( CFPB ) COMPLAINT : CONTINUED REPORTING OF AN INACCURATE DEBT PAID BY INSURANCE VIOLATIONS OF FCRA, TILA, CARES ACT, AND CONSUMER PROTECTION LAWS Dear CFPB, I am filing this formal complaint regarding the inaccurate and harmful reporting of an account on my credit report that was resolved through payment by my insurance provider. Despite this, the account continues to be reported with delinquent status, which is both misleading and damaging to my financial standing. 

Account Information : Creditor : XXXX XXXX  XXXX Account Number : XXXX Issue : Account reported as delinquent despite being fully paid by insurance. 

Status on Credit Report : Aacount paid/ XXXX balance Actual Status : Paid-in-full, no balance due from consumer VIOLATIONS OF CONSUMER PROTECTION LAWS Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 et seq. ) : 1681e ( b ) : Consumer reporting agencies must maintain maximum possible accuracy. Continuing to report a paid account as delinquent violates this provision. 

1681i ( a ) : Requires CRAs to reinvestigate disputed data and delete unverifiable or inaccurate information within 30 days.

1681s-2 ( b ) : Furnishers must properly investigate disputes forwarded by CRAs and update or correct inaccurate reporting.

Truth in Lending Act ( TILA 15 U.S.C. 1601 et seq. ) : If any part of the debt originated from credit extended without proper disclosure or was settled outside of the original credit terms ( e.g., through third-party payment ), failure to reflect that in reporting may be a TILA violation.

CARES Act ( Coronavirus Aid, Relief, and Economic Security Act Public Law 116136 ) : Under 4021 of the CARES Act, furnishers must report accounts as current if accommodations ( such as insurance or hardship arrangements ) are in place during a covered period. Continuing to report as delinquent despite resolution may violate this.

Gramm-Leach-Bliley Act ( GLBA ) and Data Breach Notification Principles : If the original debt or inaccurate reporting stems from identity theft or data breach exposure, the furnisher may be in violation of federal obligations to protect consumer information and to correct data compromised by unauthorized access.

State-level Data Breach and Consumer Protection Laws ( if applicable ) : Most U.S. states require accurate, timely notification and correction when consumer data has been compromised or misused.

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 2025-05-08 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: NC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC XXXXb regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MN

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 2025-05-08 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have beer detrimental to my life and credit health. 
The following accounts are open fraudulent and do not belong to me XXXX XXXX reporting 8 missed payments XXXX XXXX reporting 6 missed payments XXXX XXXX reporting 6 missed payments XXXX XXXX reporting 5 missed payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: OH

Complaint narrative:
after checking my credit report i have noticed some errors i have never been late on this account and experian and transunion are showing two different late payments and thats wrong and equifax is showing on time payments and never late and thats correct the account at question is the XXXX XXXX XXXX the account number is XXXX the dates at question is XX/XX/year> and XX/XX/year> i am providing the doc showing the inconsistencies

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Ive been a Chase customer since 2006. I have XXXX credit cards with them and I have in the past had XXXX mortgages. I found out yesterday XX/XX/XXXX that all XXXX of my credit cards have been closed upon calling the XXXX number and speaking with a representative I was informed that I was being watched for fraudulent activity. I recently had some charges on my account that were not validated. Chase usually has a good program for reporting fraud, but supposedly I have being watched due to reporting them. They have since closed all XXXX  of my credit cards and sent me letters, indicating Ive abuse the fraud system that they have in place. I receive no letters or statements, indicating that I was being watched. Or that my accounts were in jeopardy. By closing these accounts, they have not only jeopardized my ability to get other credit cards but my ability to maybe get car loans or mortgages in the future. What they forgot to indicate that Ive been a good customer for over XXXX years never missed a payment never been late and also paid off XXXX mortgages. Im not the type of customer that participates in fraud or fraudulent activities. Consumer should be able to report when fraud is legit and they did not make the charge. But it seems like we are held accountable and punished for reporting such incidents. I dont want this to affect me in the future to be able to move forward with my life. And now its making it rough for me because I have no credit cards and I dont know what this is going to look like in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-05-08 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: WI

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : XXXX Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. XXXX ) that you, the Equifax 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX * * BALANCE : {$6900.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TN

Complaint narrative:
XXXX XXXX account is reporting inaccurate information on my credit report. I've disputed this information numerous times with each of the 3 credit bureaus, but they keep saying the information comes back as verified. How can the information be verified if all 3 credit bureaus are reporting different information? The following is everything that is reporting differently across the credit bureaus : Account Status, Monthly Payment, Date Opened, No. of Months ( terms ), High Credit, Past Due, Payment Status, Last Reported, Comments, Date Last Active, Date of Last Payment, Two-Year payment history. All the mentioned above are reporting differently across the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
XX/XX/year> : Discover credit card was added to XXXX XXXX  and used for XXXX XX/XX/XXXX - XX/XX/XXXX : There were approx 55 charges made to my Discover credit card which I did not authorize or make XX/XX/year> : Call Discover credit card and disputed claims totaling approx {$1700.00}. Charges were removed from my credit card and fraud investigation was started by Discover. 

XX/XX/XXXX : Disputed charges were added back on to Discover card without my knowledge XX/XX/XXXX : Called Discover and spoke with XXXX  in Fraud dept. She told me a fraud investigation was completed and fraud was not detected " due to the use of XXXX XXXX ''. I did not understand what that meant but I reminded XXXX that there advertising regarding fraud protection does not explicitly exclude XXXX XXXX. If it did, I would not have used the Discover credit card and XXXX pay. She told me she would submit charges for a second review but that review would very likely not change the status of the charges and I would be responsible for charges. I asked what I needed to do and she told me I needed to contact XXXX and get information for each of the XXXX charges including address and consumer who used card. I asked to speak with a supervisor, and was told none were scheduled since it was XXXXXXXX XXXX XXXX 

XX/XX/XXXX : Called XXXX XXXX  and explained situation. I was told they could not help me because Discover actually approves the charges, not XXXX XXXX. I was advised to dispute charges with Discover. 

XX/XX/XXXX : Called XXXX but as everyone knows it is impossible to get a live customer service agent on the phone there. Filed an on-line fraud claim with XXXX since all charges were for wither XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Somedays, there were XXXX - XXXX XXXX charges made, most under {$50.00}. 

XX/XX/XXXX : XXXX told me they have no record of the charges made to my XXXX account in XX/XX/year>. 

I am at a loss and do not know what to do. None of the three vendors can assist me with the charges I did not authorize/make and I don't have {$1700.00} to pay for charges I did not make. Discover agents are like a broken record and are not assisting me. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-08 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 writing to formally request the removal of fraudulent information from my credit report. I am a victim of identity theft, and several accounts and inquiries listed on my credit file were neither authorized by me nor applied for by me. These items are incorrect and do not pertain to my credit history. 

Under Section XXXXB of the Fair Credit Reporting Act ( FCRA ), I request that you promptly block and remove these unauthorized accounts and inquiries. Enclosed, you will find a list of the disputed entries, along with a copy of my Identity Theft Report filed with the Federal Trade Commission. 

I kindly ask that you take immediate action to investigate and remove these inaccuracies from my credit report. Please send me written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following inquiry must be removed immediately : XXXX XXXXXXXX XXXX XXXX XXXX  Opened Date : XXXX XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, 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
Consumer complaint received 2025-05-08 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Portfolio Control Inc.
State: MI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under XXXX U.S. XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX U.S. XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: ProCollect, Inc.
State: MS

Complaint narrative:
I send four letters the third time they sent me a letter with half a contract that was a copy that they got from somewhere else the fourth letter I sent to them saying IT'S WITHIN MY RIGHTS TO REQUEST ADDITIONAL INFORMATION FOR VERIFICATION OF THE DEBT THAT THEY DID NOT PROVIDE WITH MY SIGNUATURES WITH THEM ( PROCOLLECT , INC )

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 2025-05-08 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: CA

Complaint narrative:
I want to be clear : this complaint is valid. My credit report contains serious inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are causing ongoing harm, and I urgently request that they be corrected or 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