vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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:
Subject : Dispute of Inaccurate Information on Credit Report and Violation of the Fair Credit Reporting Act Complaint Summary : I am writing to formally dispute inaccurate information reported on my credit report by EQUIFAX, which I believe violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I identified discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Information : High Balance, Date of Last Activity, Date Open. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Information : High Balance, Date of Last Activity, Date Open, Creditor Remark. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Information : High Balance, Date of Last Activity, Date Open, Closed Date. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request a prompt investigation. I previously submitted a request for reinvestigation, referencing the following sections of the FCRA : XXXX. Section 609 ( a ) ( 1 ) ( A ) : Requires verification of accounts through original documentation. 
XXXX. Section 611 : Ensures the right to dispute inaccuracies and request an investigation. 
XXXX. Section 623 ( a ) ( 5 ) : Mandates the removal of unverifiable information not validated by the original creditor. 
XXXX. 15 U.S. Code 1681e ( b ) : Requires that procedures for including information in credit reports ensure maximum possible accuracy. 
Despite my dispute request, [ EQUIFAX ] has failed to conduct a thorough investigation or resolve these discrepancies within the XXXX timeframe required by the FCRA. As a result, inaccurate information continues to negatively impact my creditworthiness. 
I also emphasized that, as per 15 U.S. Code 1681i, any unverifiable information should be removed immediately from my credit report within the mandated XXXX period. Additionally, 15 U.S. Code 1681s-2 holds furnishers of information accountable for investigating and correcting any inaccuracies upon receiving notice of a dispute. 
Additional Information : Please find attached relevant documents, including my credit report and any supporting evidence for your review. 
I respectfully request that you investigate these discrepancies, correct any inaccuracies, and remove any unverifiable information from my credit report in compliance with the Fair Credit Reporting Act. Thank you for your immediate attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 2025-03-12 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-12 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-12 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX  - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$910.00} UNAUTHORIZED MEDICAL BILL - XXXX - XX/XX/XXXX - {$890.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-03-12 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: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have had an Amex account for a few years. I have excellent credit and always make my payments on time. 

I have many other credit cards and I maintain low utilization + a health savings account to always pay them off. 

I closed my Amex account sometime around XX/XX/XXXX. I called Amex explained to them I wanted to close the account because the reward system wasnt very good and the annual fee wasnt worth it anymore. I paid off my outstanding balance remianing on the card using my mobile app... They then confirmed it was closed and hung up the phone. I stopped receiving mail to my address of record. And when I logged into my online account portal my account read " account cancelled ''. I thought I received correspondence also saying account closed in the mail a month or two later, but I threw that away. 

Many months passed by and in XX/XX/XXXX, after getting home from military training, I received correspondence from them saying my card was past due and I had an outstanding balance on the card. 

I used their portal to talk to a representative and ended up calling to dispute the balance try to understand the charge. I explained to the representatives I closed the account a long time ago and reviewing the statements online in my portal it appeared there was 1 subscription charge that was from XXXX that hit the account in XX/XX/XXXX. 

I indicated to them either it was an old subscription service I didn't use or I didn't recognize the charge all together because I don't use XXXX. 

The representative told me the account was left open because of an authorized user on the account... .which makes no sense because im the primary account holder and asked the account to be closed. My fiance was issued a card and just allowed to be a user... but didn't have her own separate account ....

They came back after their " investigation '' and told me the balance was valid.

I have had perfect credit my entire life. Om trying to buy a house and I don't owe them these funds. They failed to close my account and after 6 months of inactivity either an old subscription service OR an u recognizable charge hit my account. It wouldn't of debited my account if the account was properly closed.

Amex continues to charge me late payments and debt collectors call me every day over a miniscule charge. This dropped my credit score from XXXX to less than XXXX and now I wouldn't qualify for a house. 

Please help me fix this issue. I don't know what else to do from here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX from Carvana and financed it through XXXX XXXX XXXX XXXX for {$31000.00}. Due to issues with the vehicle, I returned it on XX/XX/XXXX. Carvana confirmed the return and cancellation of the purchase via an email sent on XX/XX/XXXX, at XXXX XXXX  EST ( attached ). 

While Carvana promptly refunded my {$7000.00} down payment ( confirmed in a XX/XX/XXXX email showing a refund of {$6600.00}, attached ), as of XX/XX/XXXX, they failed to return the lenders check to XXXX XXXX as promised. As a result, my auto loan remains unpaid, delinquent, and accruing late fees, which now totals {$510.00} plus a 20 % penalty. If not resolved before XX/XX/XXXX, this delinquency will negatively impact my credit report despite the fact that this delay is Carvanas responsibility. 

Carvana has stated that I must pay XXXX myself and submit a receipt for reimbursement, which is unacceptable since Carvanas failure caused the issue. 

I requested escalation to a supervisor and direct contact for their treasury team, but Carvana refused to provide this information and only stated that the issue was under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$8100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$1600.00} INQUIRIES : XXXX XXXX XXXX XX/XX/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 2025-03-12 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: KY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: AZ

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.

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 2025-03-12 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:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Equifax for XXXX XXXX XXXX Dear CFPB Representative, I am filing a complaint against Equifax regarding an inaccurate medical debt ( XXXX - XXXX owned {$490.00} ) entry in my credit report. This entry violates the updated credit reporting policies established by major credit bureaus in XXXX. 

Issue Description : As of XX/XX/XXXX, my Equifax credit report includes an unpaid medical debt of {$490.00}. According to the new reporting policies implemented in XX/XX/XXXX, unpaid medical debts under {$500.00} should be removed from credit reports. 

Despite this, the debt remains on my credit report, negatively affecting my credit score. 

Actions Taken to Resolve the Issue : 1. I contacted Equifax to dispute the inaccurate reporting, but the issue remains unresolved.

2. I reviewed the Fair Credit Reporting Act ( FCRA ) guidelines and confirmed that this medical debt should no longer be reported.

3. I am now seeking CFPBs assistance to enforce compliance with the updated credit reporting rules.

Requested Resolution : I respectfully request the immediate removal of this medical debt from my credit report, as it falls below the {$500.00} threshold and should no longer be reported. Additionally, I ask that Equifax be required to provide an explanation for their failure to comply with the updated reporting policies. 

Thank you for your time and attention to this matter. I appreciate your assistance in ensuring that credit reporting agencies adhere to their obligations under the law. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
These inquiries were unauthorized and I am a victim of identity theft. They are fraudulent.

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 2025-03-12 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: TX

Complaint narrative:
I am filing this complaint against [ Experian and XXXX ] regarding the continued inaccurate reporting of an account that has already been determined to be erroneous. The account in question, originally reported by XXXX XXXX XXXX was found to be inaccurately reporting payment history. 

XXXX XXXX conducted an investigation and confirmed that the account was inaccurately reported. As a result, XXXX has deleted this account from my credit report. However, despite this correction, Experian and XXXX continue to report the inaccurate tradeline, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ).

Given that one major credit bureau has already removed this account due to its inaccuracy, I demand that Experian and XXXX take immediate action to remove this erroneous account from my credit file. Failure to comply with this request will result in further action, as I will not tolerate continued damage to my credit profile due to inaccurate 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/25 The collection agency appeared on my credit report. I wrote a letter to them on XX/XX/25 validate that I owe a debt. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this alleged debt, including but not limited to the following information for the amount of {$1100.00} from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
Im reaching out regarding incorrect information on my credit report that needs to be addressed immediately. After reviewing my report, I noticed several discrepancies that are simply not accurate and need to be corrected right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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