vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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:
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made two mobile deposits some funds were available immediately as normal. I received a email verification of the deposits. Four days later the check deposits were gone online. Citibank never notified me. When I called all they said was there was a problem with their system and I was to check the account periodically. I asked for a time period and I was told by an overseas operator just to check my account it was very difficult to understand the operator. I normally have funds available sooner than this also the deposits not ever showing up is troubling.

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 monetary relief
Consumer complaint received 2025-03-05 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: OH

Complaint narrative:
Charge-off debt has been filed and is now taxable income and can not be reported to my consumer profile violating 15 USC 1681 EB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: VA

Complaint narrative:
I am writing to formally request validation of the debt claim I owe, As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.1692g. Please provide detailed documentation to verify the validity of this debt, including XXXX. Name and address of the original creditor. 
XXXX. The amount of debt, including a breakdown of fees, interest, or other charges. 
XXXXCopies of any signed agreements or contracts proving I am legally obligated to pay this debt. 
XXXX. Proof that you are legally authorized to collect this debt. 
XXXX. Any previous statements or records related to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-03-05 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:
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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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:
Upon reviewing my Experian credit report, I noticed some inaccurate information on an account of mine. XXXX XXXX account number ending in XXXX is reporting 2 late payments from XXXX and XXXX of XXXX  that are inaccurate. I have never missed any payments on this loan and this account is almost XXXX XXXX XXXX. I'm requesting an investigation into these discrepancies. I'm asking for these payments to be updated promptly and to on-time.

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 2025-03-05 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
The account XXXX XXXX XXXX opened on XX/XX/year> with a balance of {$440.00} is reporting to my credit reports inaccurately. There are multiple inaccuracies such as the account status, payment history, and phone number for this collection account. I have disputed this collection account with Experian, TransUnion , & Equifax credit bureaus and have not received an accurate investigation. 

This account is not showing maximum possible accuracy according to XXXX XXXX XXXX ( b ), the payment history, account status, & phone number is not accurate - Delete Account Immediately for violation of XXXX XXXX XXXX ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
The account XXXX XXXX XXXX opened on XX/XX/year> with a balance of {$440.00} is reporting to my credit reports inaccurately. There are multiple inaccuracies such as the account status, payment history, and phone number for this collection account. I have disputed this collection account with Experian, TransUnion , & Equifax credit bureaus and have not received an accurate investigation. 

This account is not showing maximum possible accuracy according to XXXX XXXX XXXX ( b ), the payment history, account status, & phone number is not accurate - Delete Account Immediately for violation of XXXX XXXX XXXX ( b )

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 2025-03-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Formal Dispute Inaccurate Charge-Off Reporting ( JPMCB CARD ) To Whom It May Concern, I am formally disputing the inaccurate reporting of a charge-off on my credit report from JPMCB CARD. This account is being reported incorrectly and must be removed immediately under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). 

Errors Requiring Removal : XXXX. Incorrect balance reporting The account is charged off but is still reporting a balance of {$3700.00}. If this debt was sold, JPMCB must report a {$0.00} balance and stop updating the charge-off. 
XXXX. Duplicate reporting If the debt has been transferred or sold, JPMCB and the collection agency can not both report the same debt simultaneously. 
XXXX. Incorrect date of first delinquency ( DOFD ) If the charge-off date has been altered, it violates FCRA 15 U.S.C. 1681c ( a ) and extends the reporting period illegally.

4. Failure to verify the debt Under FCRA 15 U.S.C. 1681i ( a ), if JPMCB can not provide accurate verification, this trade line MUST be deleted. 

If this dispute is not resolved immediately, I will take the following actions : File complaints with the Federal Trade Commission ( FTC ) and the XXXX  State Attorney Generals Office for your failure to comply with federal law. 
Hold XXXX legally liable under FCRA 15 U.S.C. 1681n for knowingly reporting false information, which makes you subject to statutory damages, actual damages, and legal fees. 
Demand a full deletion of this tradeline due to XXXX failure to verify and report accurate data. 

This is your final opportunity to correct or delete this inaccurate information. I demand a written response within 30 days, as required by FCRA 15 U.S.C. 1681i ( a ).

Attached is a copy of my credit report with the JPMCB CARD charge-off highlighted. If this matter is not corrected, I will escalate accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
Recently the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumers disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Reinserting previously disputed and inaccurate information without explanation. 
Conducting inadequate investigations that fail to address consumer dispute properly. Failing to notify consumers about investigation results effectively. 
These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusions of inaccurate information on credit reports. I am Deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-03-05 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:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
Recently the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumers disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Reinserting previously disputed and inaccurate information without explanation. 
Conducting inadequate investigations that fail to address consumer dispute properly. Failing to notify consumers about investigation results effectively. 
These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusions of inaccurate information on credit reports. I am Deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
Both companies are showing that the accounts on my XXXX consumer report are charged off as ( XXXX  ). However, I haven't received a 1099-C from either corporation. I'm respectfully requesting copies of the 1099 's from both entities or remove the derogatory remarks from my consumer report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The IRS also states that any accounts that a corporation may claim as a profit loss on their taxes shall not report derogatory marks to a consumers report. As the debt was written of and the creditor received credit via XXXX on their balance sheet.

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 2025-03-05 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:
Both companies are showing that the accounts on my Transunion consumer report are charged off as ( XXXX  ). However, I haven't received a 1099-C from either corporation. I'm respectfully requesting copies of the 1099 's from both entities or remove the derogatory remarks from my consumer report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The IRS also states that any accounts that a corporation may claim as a profit loss on their taxes shall not report derogatory marks to a consumers report. As the debt was written of and the creditor received credit via XXXX  on their balance sheet.

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 2025-03-05 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: NJ

Complaint narrative:
under the federal code 15uac / 1681 I'm disputing some late payments that are in my credit report I've circled the late payment that are incorrect in my 3 bureas Also my name is spelled incorrectly on 3 bureau .it should be XXXX XXXX XXXX XXXX Also my address is also incorrect it should only be XXXX XXXX XXXX XXXX XXXX XXXX I am attaching a copy of mt diver license for proof on name and address.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
under the federal code 15uac / 1681 I'm disputing some late payments that are in my credit report I've circled the late payment that are incorrect in my 3 bureas Also my name is spelled incorrectly on 3 bureau .it should be XXXX XXXX XXXX XXXX Also my address is also incorrect it should only be XXXX XXXX XXXX XXXX XXXX XXXX I am attaching a copy of mt diver license for proof on name and address.

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 2025-03-05 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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