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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Removal of Inaccurate Charge-Off XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Charge-Off Reporting XXXXXXXX XXXX XXXX  Dear CFPB Representative , I am formally disputing the inaccurate reporting of a charged-off account by XXXXXXXX XXXX XXXX on my credit report XXXX The account was sold to XXXX XXXX XXXX, and the original creditor no longer holds the debt. Despite this, XXXX continues to report the charge-off, which violates the Fair Credit Reporting Act ( FCRA ) and misrepresents my creditworthiness. 
Basis for Dispute Double Reporting of a Debt ( FCRA Violation - 15 U.S.C. 1681s-2 ) XXXX charged off and sold the account to a third party, XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ), once a debt is sold, the original creditor can not continue furnishing negative information that misleads creditors. 

XXXX should have updated the balance to {$0.00} and ceased reporting, but the charge-off remains active. 

Failure to Maintain Accurate and Complete Information ( FCRA - 15 U.S.C. 1681e ( b ) ) The charge-off notation suggests XXXX still owns the debt, which is false and misleading. 

Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) established that creditors must ensure the accuracy of their reporting. 

Unfair & Deceptive Practices Under the FDCPA - 15 U.S.C. 1692e Reporting a charge-off after selling the account to a debt buyer creates confusion and damages credit scores unfairly. 

Under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX. XXXX ), this practice can be deemed misleading.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Removal of Inaccurate Charge-Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Charge-Off Reporting XXXXXXXX XXXX XXXX Dear CFPB Representative , I am formally disputing the inaccurate reporting of a charged-off account by XXXXXXXX XXXX XXXX on my credit report . The account was sold to XXXX XXXX XXXX, and the original creditor no longer holds the debt. Despite this, XXXX continues to report the charge-off, which violates the Fair Credit Reporting Act ( FCRA ) and misrepresents my creditworthiness. 
Basis for Dispute Double Reporting of a Debt ( FCRA Violation - 15 U.S.C. 1681s-2 ) XXXX charged off and sold the account to a third party, XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), once a debt is sold, the original creditor can not continue furnishing negative information that misleads creditors. 

XXXX should have updated the balance to {$0.00} and ceased reporting, but the charge-off remains active. 

Failure to Maintain Accurate and Complete Information ( FCRA - 15 U.S.C. 1681e ( b ) ) The charge-off notation suggests XXXX still owns the debt, which is false and misleading. 

Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) established that creditors must ensure the accuracy of their reporting. 

Unfair & Deceptive Practices Under the FDCPA - 15 U.S.C. 1692e Reporting a charge-off after selling the account to a debt buyer creates confusion and damages credit scores unfairly. 

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX ), this practice can be deemed misleading.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After having received my credit report, I noticed there are some incorrect late payments reporting on my consumer report. It is imperative that the complete accuracy of what is reported has no errors. I have no missed payments on the following account acct Account # : XXXX. XXXX am requesting a complete and thorough investigation into the discrepancies please provide evidence such as statements, demonstrating the lateness of payments, however, if you are unable to furnish this on time, as I have on a consistent basis done my part with my monthly payment obligations without delay.

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: Experian Information Solutions Inc.
State: SC

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 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 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am reaching out regarding an issue with my Chase Freedom Unlimited account that has caused significant financial distress.

While I was out of work and XXXX  for four months due to an XXXX, I fell behind on my bills. During this time, I contacted Chase to request temporary payment assistance, but I was informed that no payment plans were available. As a result, late fees and interest continued to accumulate, making it impossible for me to meet even the minimum payment. As a single mother with no child support, relying on food pantries, and struggling with basic living expenses, I could only prioritize rent and food with my XXXX checks. Around the holidays, I even required assistance from a friend to pay my utility bill. 

Upon returning to work, I contacted Chase to request the removal of late fees and interest charges so I could pay my balance in full and utilize my card again. My credit limit was {$4500.00}. While the late fees were waived, the interest charges remained. Before making a payment, I specifically asked two customer service representatives whether my credit limit would remain the same and whether my account would stay active. Both representatives assured me that my account would be brought up to date with no changes to my credit limit or access to using the card. They even congratulated me on my bigger payment. 

Based on this confirmation, I proceeded with a {$3000.00} payment. However, the very next day, my card was declined. When I checked my account, I discovered that Chase had turned my card OFF and reduced my credit limit from {$4500.00} to $ XXXX the assurances I received. This unexpected change has left me in an extremely difficult financial position. 

I trusted the information provided by the representatives, and the recorded calls will confirm these conversations. Had I been informed that my credit limit would be reduced, I would have reconsidered making such a large payment in one lump sum. Given the current economic conditions, rising costs of living, and my ongoing medical treatments, this decision has placed a significant burden on me as a consumer.

I respectfully request that my credit limit be reinstated or, at the very least, that I be provided with a resolution that allows me access to the funds I worked so hard to pay back!! I am asking Chase to honor the information given to me by their representatives. Please review the recorded calls for verification. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX  TransUnion

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt.

Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1. Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency.

2. A full itemization of the alleged debt, including principal, interest, fees, and all charges.

3. Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt.

4. Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXXXXXX ). 
Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 
Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which supports the principle that the note and security instrument can not be separated. 
Creditor Accepted payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity.

Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within 30 days will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and I reserve my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

CREDIT COLLECTION SERVICES XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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: NY

Complaint narrative:
I am a victim of identity theft. I am requesting under the FCRA 605B to block this account from my credit report. Account name : XXXX ( # XXXX ) and Account name : XXXX XXXX XXXX ( # XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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, CHALLENGEDORNOT.

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
XXXX XXXX  fraud on my account and it was resolved because I proved it wasnt me that did this fraud! I had this account for more than 10 years at that time and they closed my account because hacked my account and made it overdrawn.

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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts associated with my credit file under the Fair Credit Reporting Act, specifically pursuant to 15 USC 1681c-2 ( a ). I have been a victim of a recent data breach, and I believe that this incident has compromised my personal information. I am concerned about fraudulent accounts and activities that may have been established in my name due to this breach.

all teh specifict documents on the attched docs please see the see it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several fraudulent accounts showing on my credit report that I have no knowledge of a would like removed immediately, These accounts consist of an XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) I have attached a Identity Theft Report.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of the disputed information on my credit report. As a result, inaccurate or unverified accounts remain unresolved. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing issues such as not forwarding consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the outcomes of disputes. 

These shortcomings mirror my own experience with Experian, where disputed items have neither been corrected nor removed, despite the evidence I provided. This ongoing issue is damaging my credit standing. I am requesting immediate corrective action to either remove or amend the disputed accounts, as Experians failure to act constitutes a violation of federal law and my rights as a consumer.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Hello, I request for XXXX to validate and verify a XX/XX/XXXXon my credit report on XX/XX/year>.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
After having received my credit report, I noticed there are some incorrect late payments reporting on my consumer report. It is imperative that the complete accuracy of what is reported has no errors. I have no missed payments on the following account acct Account # : XXXX. XXXX am requesting a complete and thorough investigation into the discrepancies please provide evidence such as statements, demonstrating the lateness of payments, however, if you are unable to furnish this on time, as I have on a consistent basis done my part with my monthly payment obligations without delay.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : FCRA and FDCPA Violations Inaccurate Collection Reporting Account # XXXX Description of Complaint : This complaint is filed against XXXX  XXXX XXXX for unlawful reporting of a collection account related to Xfinity Mobile ( # XXXX ). Despite my dispute and debt validation request, they failed to validate the debt, continued reporting without dispute notation, and violated both FCRA 1681s-2 ( a ) ( 3 ) and FDCPA 1692g ( b ).

Additionally, they misrepresented the debt status and ignored active fraud alerts on my credit file.

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