vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-31 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: IN

Complaint narrative:
This account was charged off on the XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name XXXX Account Number XXXX  YOU HAVE NOT ADDRESS THIS ON GOING ISSUE YOU HAVE VIOLATED MY RIGHTS AND THE FCRA YOU HAVE CLAIMED ON SEVERAL OCCASIONS YOU ARE FOLLOWING THE LAW IF YOU WERE YOU WOULD HAVE NOTICED THAT YOU HAVE ADMITTED TO BREAKING THE TO NOT PROPERLY REINVESTING THIS ERROR THE ACCOUT HAS CO FOR XXXX XXXX AND XXXX WHICH IS {$1000.00} per INACCURACY

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I am the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When originally opened the account I was asked if I needed a credit card one for me and one for my wife. I agreed. Now, my wife card is being declined several times. I called the bank and explained the situation and I was told the issue will be resolved in two days. Few weeks passed and still no results from the lending institution which is Four Leaf ( Bethpage Credit Union ). My time is very valuable and the bank does not realize this factor ; I spent two hours on the phone explaining the situation to every person who picks up the phone at the bank I am told I will be transferred to the correct department at least five times and no one could help me. 
My card # XXXX and my wife 's # XXXX Both cards should be connected to ONE business account under XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the way my wife 's card was working fine for so many years up to the last month when it started to be declined.

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
I already filed a complaint and the company responded. They blatantly lied. they did not discuss the type of account having a monthly service fee. They told me I could not get the certain account I wanted due to my credit history. I then asked multiple times if there would be a fee for having this account. I was told no there would not be a fee. It doesn't take much common sense to see these people will lie to get people to come in and open bank accounts with them as it bodes well for them within the company. I was blatantly lied to and they are blatantly lying to you as well. I was told there would be no service fees and was told the type of account I was getting would prevent me from overdrafting which is what i wanted. this company is lying. countless banking organizations from XXXX XXXXXXXX XXXX XXXX XXXX XXXX. It is not far fetched that these companies lie all the time to protect themselves and to gain as much money from their customers as possible. If nothing can be done I will be forced to go to the attorney general of my state or whom ever i need to and have them look into this. I do not like being lied about and taken advantage of.

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 2025-03-31 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: T.S. Holdings
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX date :XX/XX/XXXXXX/XX/year> To : consumer financial protection bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information under FCRA Section 1681o Dear consumer financial protection bureau, I am writing to formally dispute inaccurate information that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 1681o, which addresses civil liability for negligent noncompliance, I am requesting that you investigate and correct the following inaccurate information : Account Name : XXXX XXXX XXXX Account Number : Description of Error : I have never opened this account. 


I have attached copies of relevant documents that support my claim, including [ mention any documents, such as payment records, identity verification, or correspondence with the creditor ]. 
Under the FCRA, you are required to investigate and respond to my dispute within 30 days. If the information is found to be inaccurate or unverifiable, I expect it to be removed or corrected immediately.

Failure to comply with these requirements may result in legal action under Section 1681o, which entitles consumers to recover damages resulting from negligent noncompliance with the FCRA.

Please provide a written confirmation of the results of your investigation and send me an updated copy of my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : proof id Social security card Proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX date : XX/XX/year> To : consumer financial protection bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information under FCRA Section 1681o Dear consumer financial protection bureau, I am writing to formally dispute inaccurate information that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 1681o, which addresses civil liability for negligent noncompliance, I am requesting that you investigate and correct the following inaccurate information : Account Name : XXXX XXXX XXXX Account Number : Description of Error : I have never opened this account. 


I have attached copies of relevant documents that support my claim, including [ mention any documents, such as payment records, identity verification, or correspondence with the creditor ]. 
Under the FCRA, you are required to investigate and respond to my dispute within 30 days. If the information is found to be inaccurate or unverifiable, I expect it to be removed or corrected immediately. 
Failure to comply with these requirements may result in legal action under Section 1681o, which entitles consumers to recover damages resulting from negligent noncompliance with the FCRA.

Please provide a written confirmation of the results of your investigation and send me an updated copy of my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : proof id Social security card Proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TN

Complaint narrative:
Dear Credit Reporting Agencies, This letter serves as a formal dispute of the inaccurate, outdated, and unverifiable information that remains on my consumer report in violation of the Fair Credit Reporting Act ( FCRA ). According to FCRA Section 609 ( a ) ( 1 ) ( A ), I have the right to request verification, including documentation from the original creditor, proving the accuracy of these accounts. If you can not provide such documentation, then under FCRA Section 611 ( a ) ( 1 ) ( A ) and 611 ( 5 ) ( A ), these items must be deleted immediately.

Additionally, under FCRA Section 1681e ( b ), consumer reporting agencies are required to maintain the highest level of accuracy when preparing consumer reports. The accounts listed below have conflicting information across the three bureaus, which violates this statute and must be removed. 
Disputed Accounts : XXXX XXXX XXXX XXXX XXXX - Charge Off** o The last activity dates differ across bureaus, violating 15 U.S. Code 1681e ( b ). Please delete immediately. 
XXXX. XXXX XXXX # XXXX - Charge Off** o The date of last activity does not match across bureaus, which violates accuracy standards per the FCRA. Please delete. 
XXXX XXXX XXXX XXXX XXXXXXXX - Charge Off** o Same inaccuracy issue. This tradeline must be removed. 
Additionally, the following unauthorized inquiries must be removed as they were not made with my written consent, violating 15 U.S. Code 1681b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To ensure compliance with federal law, I request : 1. A full breakdown of the investigation procedures used to verify these accounts.

2. The exact data or documentation used to verify each disputed item.

3. Removal of all unverifiable accounts and inquiries within 15 days.

Failure to comply with my requests under the FCRA may result in legal action. Please provide a response with the requested documentation or confirmation of deletion within the allotted timeframe. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: LA

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 non-monetary relief
Consumer complaint received 2025-03-31 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: WI

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. 15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, TransUnion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-03-31 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: FL

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXX XXXX XXXX XXXX FLORIDA XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX I request that my current address be updated accordingly. 

Contact Information : The phone number listed on my credit report, ( XXXX ) XXXX, ( XXXX ) XXXX, is no longer in use. I request that my new phone number, ( XXXX ) XXXX, be updated as my primary contact number. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX XXXX XXXX or via email at XXXX. Thank you for your cooperation. 

Sincerely, 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 2025-03-31 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: FL

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXX XXXX XXXX XXXX FLORIDA XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX I request that my current address be updated accordingly. 

Contact Information : The phone number listed on my credit report, ( XXXX ) XXXX, ( XXXX ) XXXX, is no longer in use. I request that my new phone number, ( XXXX ) XXXX, be updated as my primary contact number. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX XXXX XXXX or via email at XXXX. Thank you for your cooperation. 

Sincerely, 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 explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
Payments are showing late when they shouldnt be. I contacted the company and they said they would have it removed within 48 hours it is now ten days later now they are requesting documentation in order for it to be removed from the credit bureaus when that is not what was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. 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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

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

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 2025-03-31 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-03-31 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief