vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I had my XXXX  account for 3 years with a near-perfect record of payments. in XXXX I tried to log in on my phone from the app as well as the browser on my laptop and could no longer log in with my 2-party authentication using my phone number which was the same as my account. I emailed them dozens of times and called a phone number I found on XXXX where I was only met with an option to leave a message. They never responded to any of my emails and never returned any of my messages. every " your account is past due email I received, I would reply and tell them I was locked out of the payment portal and no one ever replied. Since then, they have been reporting negatively on all of my credit reports, causing me a financial burden in obtaining credit. I have still to this very day NEVER received a reply email back regarding my locked-out account, only " past due '' emails and settlement offers. I even just recently, received an email from them offering a settlement where I responded with screenshots of my dozens of emails from XXXX  telling them I'm locked out and can't make a payment, needing assistance in accessing my account... and was sent a robot blanket message back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: PA

Complaint narrative:
After being informed that my information has been leaked due to the XXXX breach I have took the time to review my reports and sadly I have found XXXX errors. I did not give my consent to open the following accounts and did not benefit form them. I baffled behind the fact that Experian sent me a letter stating the information has been verified. After I sent written instructions to correct my consumer report weeks ago. I have asked you prior for debt validation to you and the collection agencies as my rights under the FDCPA the Fair debt collection practices act, 15 U.S.C 1692g, and I have yet to have my written instruction followed out. As of my XXXX report you still have not provided satisfactory proof that these debts are indeed mine. Please do not send me a generated response stating that the information has been verified this matter has been damaging my ability to extend lines of credit, Causing me to sleep and job opportunities. As you already know I requested that you investigate these matters and remove nor correct the disputed information from my credit if the creditors can not verify or validate the debt. ( 15 U.S.C. 1681i ).

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 2025-01-09 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:
i was looking at my Equifax XXXX XXXX XXXX and noticed that some information in the account has changed and according to the scoring module used by Equifax to calculate scores my score total should have increased significantly with this new account status, this is unfair practices pursuant to FCRA. Also Equifax has refused to fix my birthday in my personal information section of my credit report even after i have mailed to them by certified mail copies of my state issued drivers license, social security card, and utility bill ; to which they responded that the documents were not legible ; even though two other agencies received copies of those items and excepted them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Requested account verification, account show on credit report charged off. My account information has been data breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Balance has been incorrect for years. Payments were being made on time and balance kept rising. Asked debtor to investigate with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
I got a notification from my XXXX with Marcus by Goldman Sachs on XXXX XXXX XXXX saying that they had closed my account. It is now XX/XX/XXXX, and I still do not have the money in my account. I have reached out to them several times, and they still have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name and addresses. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile.To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: ID Analytics, Inc.
State: KS

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to seek the assistance for unrefunded charges to my credit card : XXXX XXXX XXXX {$310.00} ( Transaction Date : XX/XX/2024 ; Posted Date : XX/XX/2024 ). 

The XXXX XXXX XXXX booking was made by mistake, and I immediately contacted customer service to notify them. They assured me that the booking would be canceled, which they did. I was told that I would receive a refund, but after several weeks, I still have not received it. As a result, I filed a dispute for this charge in Chase. I also contacted the XXXX XXXX XXXX, and they confirmed that XXXX never paid them for this transaction. I contacted XXXX and they told me that i need to contact Chase since they do not have an update regarding the status of your dispute. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing regarding your failure to properly investigate my recent dispute concerning inaccurate, incomplete, and outdated negative items on my credit report. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure the accuracy, completeness, and fairness of information contained in consumer reports. 

Despite my previous dispute, these inaccuracies remain unresolved, and the negative information continues to be reported on my credit file. Specifically, I have reviewed my report and found that the items in question remain, demonstrating that your investigation was not thorough and in violation of my rights under Section 611 of the FCRA. 

This failure has caused significant harm to my creditworthiness, financial opportunities, and personal character. Your negligence in correcting these errors is not only damaging but also illegal. Under the FCRA, I am entitled to seek damages of up to {$1000.00} per violation. Please be advised that I will be invoicing you for each instance of non-compliance and the damages caused as a result of your failure to comply with federal law. 

If you do not address these inaccuracies and provide confirmation of their removal from my credit file within XXXX days of receiving this letter, I will have no choice but to pursue legal action against your agency for your repeated violations. 

To avoid further escalation, I request that you : XXXX. Conduct a proper reinvestigation of the disputed items. 
XXXX. Remove any inaccurate, incomplete, or outdated negative information from my credit report. 
XXXX. Provide me with a written confirmation of these corrections. 

Failure to respond or comply within the specified timeframe will result in legal proceedings against your agency. I look forward to resolving this matter promptly.

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 2025-01-09 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: PA

Complaint narrative:
To Whom It May Concern, I am writing regarding your failure to properly investigate my recent dispute concerning inaccurate, incomplete, and outdated negative items on my credit report. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure the accuracy, completeness, and fairness of information contained in consumer reports. 

Despite my previous dispute, these inaccuracies remain unresolved, and the negative information continues to be reported on my credit file. Specifically, I have reviewed my report and found that the items in question remain, demonstrating that your investigation was not thorough and in violation of my rights under Section 611 of the FCRA. 

This failure has caused significant harm to my creditworthiness, financial opportunities, and personal character. Your negligence in correcting these errors is not only damaging but also illegal. Under the FCRA, I am entitled to seek damages of up to {$1000.00} per violation. Please be advised that I will be invoicing you for each instance of non-compliance and the damages caused as a result of your failure to comply with federal law. 

If you do not address these inaccuracies and provide confirmation of their removal from my credit file within XXXX days of receiving this letter, I will have no choice but to pursue legal action against your agency for your repeated violations. 

To avoid further escalation, I request that you : XXXX. Conduct a proper reinvestigation of the disputed items. 
XXXX. Remove any inaccurate, incomplete, or outdated negative information from my credit report. 
XXXX. Provide me with a written confirmation of these corrections. 

Failure to respond or comply within the specified timeframe will result in legal proceedings against your agency. I look forward to resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
XXXX XXXX XXXX has been exposing my personal medical information. 
Medical information is supposed to be private, and I didnt give permission for this debt to be shared. By putting it on my credit report, they exposing sensitive information without my consent. This feels like a clear violation of my rights. 

On top of that, the debt has been damaging my credit score, which is making it harder for me to get loans or other opportunities I need. I recently learned that new laws are being put in place to stop companies from reporting certain medical debts, especially when theyre disputed or shared improperly. I think what this company is doing goes against those laws.

Im asking the CFPB to look into this situation and make sure XXXX XXXX XXXX and the three credit bureaus are following the rules. I also want this debt taken off my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX has been exposing my personal medical information. 
Medical information is supposed to be private, and I didnt give permission for this debt to be shared. By putting it on my credit report, they exposing sensitive information without my consent. This feels like a clear violation of my rights.

On top of that, the debt has been damaging my credit score, which is making it harder for me to get loans or other opportunities I need. I recently learned that new laws are being put in place to stop companies from reporting certain medical debts, especially when theyre disputed or shared improperly. I think what this company is doing goes against those laws.

Im asking the CFPB to look into this situation and make sure XXXX XXXX XXXX and the three credit bureaus are following the rules. I also want this debt taken off my credit report 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the eviction listed on my credit report, which I believe is inaccurate or incomplete. I request that you investigate this item in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and remove this entry. 

Details of the Disputed Item : Account Name : XXXX ( XXXX XXXX ) Account Number : Account # : XXXX Reported by : XXXX XXXX XXXX XXXX ) As per the FCRA XXXX specifically 15 U.S.C. 1681i, I am entitled to dispute any item on my credit report that I believe to be inaccurate or incomplete. This includes items such as eviction records. If the eviction is inaccurate or unverifiable, it must be removed or corrected within 30 days of your receipt of this dispute. 

I respectfully request that you provide the following information to validate the eviction entry : A copy of the eviction judgment or legal documentation that was filed with the court. 
Proof of the eviction notice or any official communication that supports the eviction action. 
Verification that the eviction was properly reported in accordance with the laws of the jurisdiction where the eviction took place.

Under 15 U.S.C. 1681e ( b ), you are required to ensure that the information you report is accurate. If the eviction can not be properly verified or substantiated, I request that you remove it from my credit report, as it may be inaccurate, outdated, or otherwise unverifiable. 

Please confirm the receipt of this dispute and provide me with written notice of the results of your investigation. If the entry is not removed or corrected, I request an explanation of why it remains on my report and an opportunity to provide further evidence or clarification. 

Thank you for your attention to this matter. I look forward to your prompt response, in compliance with the time limits set forth by the FCRA.

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 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified or deleted : XXXX  XXXX XXXX ( Account # XXXX ) Late payments reported in XXXX XXXX, and a charge-off with a {$830.00} past due balance. Please verify the payment history and charge-off status. 

XXXX  ( Account # XXXX ) Late payments reported in XXXX XXXX XXXX and a charge-off of {$1100.00} with a {$1100.00} past due balance. Please verify the payment history and charge-off status. 

XXXX XXXX XXXX ( Account # XXXX ) Charge-off reporting every month from XXXX XXXX XXXX with a balance of {$540.00} past due. Please verify the accuracy of this information. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX, Account # XXXX ) Collection account with a {$670.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX, Account # XXXX ) Collection account with a {$610.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. 

If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. 

Please complete your investigation within the 30-day timeframe required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Credit Report Supporting Documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.

{ XXXX } Please block this
information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I would like all of the accounts mentioned to be deleted and blocked pursuant to 15 USC 1681c-2 ( a ) Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures Proof of identity XXXX  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 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence, XXXX v. Gravens ( mo ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character XXXX XXXX acct XXXX XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # 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