vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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 am a victim of Data Breach and Identity Theft. Please, block and delete the account within XXXX business days pursuant to FCRA XXXX15 U.S.C. XXXX. ( XXXX XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account was charged off on XX/XX/2025. 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 status of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of 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 2025-05-04 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. 

The following accounts are fraudulent and must be removed from my credit report immediately : 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 Closed on XX/XX/XXXX I am formally requesting that these accounts be removed from my report within XXXX days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. 

I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within XXXX days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 2025-05-04 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:
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 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 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 2025-05-04 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: IL

Complaint narrative:
I am filing this complaint against Equifax for its ongoing reporting of XXXX inaccurate and unverifiable late payments under my XXXX XXXX XXXX XXXX account ( # XXXX ). 
I submitted a formal dispute to Equifax on XX/XX/XXXX, demanding deletion of these entries under FCRA 602, 607 ( b ), 609 ( a ), and 611 ( a ) and XXXX XXXX XXXX XXXX. These late payments span XXXX years and include a XXXX late mark in XX/XX/XXXX : XXXX : XXXX, XXXX, XXXX ( 30 days ) XXXX : XXXX, XXXX ( 30 days each ) XXXX : XXXX ( 30 days ) XXXX : XXXX ( 30 days ), XXXX ( 60 days ) These entries are causing significant damage to my credit profile. I have reason to believe that Equifax and/or XXXX XXXX XXXX XXXX has XXXX to verify these delinquencies in compliance with federal law. I have not received any documentation of billing statements, timestamped notices, due date records, or payment logs. The data also appears to be non-compliant with XXXX XXXX formatting, such as inconsistent payment status codes and missing technical accuracy required under CDIA guidelines. 
Under FCRA 611 ( a ), any data that can not be verified must be promptly deleted. Under 607 ( b ), Equifax is obligated to ensure maximum possible accuracy in reporting. By continuing to report unverifiable, damaging late payments, Equifax is in direct violation of federal law and is contributing to unjust harm to my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: GA

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
Consumer complaint received 2025-05-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
The company Freedom Debt Relief took {$3400.00} from me. They took payments of {$330.00} for XX/XX/XXXX to XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: FL

Complaint narrative:
I called IQ Data on or close to XX/XX/year> to get their email in order to dispute this invalid debt. While I had them on the phone, I made them aware that my XXXX  daughter was listed as a joint account holder. There was no co-signer or joint account holder. I've also noticed that the amount of the supposed debt continues to increase from the supposed original amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
XXXX I am filing this complaint about certain inaccurate and/or incomplete information contained in my credit report as per my rights under the Fair Credit Reporting Act ( XXXX  ). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report. 

Account Information to Be Disputed : XXXX  XXXX XXXX Systems Under the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. I request that you investigate this matter promptly and correct or remove the inaccurate information. Please provide me with written confirmation that the investigation has been completed and the necessary corrections have been made. 

I expect to receive a response within the XXXX timeframe, as required by the FCRA, confirming the removal or correction of the disputed information. 

Thank you for your prompt attention to this matter. I look forward to your response and to a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing this complaint to report Chase Bank ( JPMorgan Chase ) for deceptive, manipulative, and unfair practices in its Pay Over Time ( XXXX  ) program. 

Later previous year or early 2025, I made a single purchase totaling over {$3000.00} for a class at my college. Without my knowledge or full understanding, Chase split that single transaction into XXXX separate Pay Over Time plans each with a fixed monthly installment. These were listed under XXXX in my account. 

I was never clearly informed that XXXX purchase would become XXXX or more contracts. As a result, my monthly minimum payment ballooned to over {$850.00}, due to these layered XXXX XXXX XXXX obligations stacked on top of my regular revolving credit card balance. 

Despite making over {$7500.00} in payments in less than XXXX months, Chase has refused to let me pay off any of the individual XXXX plans unless I pay off my entire card balance. This structure traps me in an unaffordable cycle of payments with no flexibility or relief. Their system blocks meaningful repayment and inflates debt timelines. 

When I attempted to pay off XXXX plan, Chase confirmed that the only way to pay off any individual Pay Over Time plan is by paying off the full card balance. That is not flexible lending it is a manipulative form of control over a consumers financial freedom. 

This practice violates the XXXX of the Truth in Lending Act ( XXXX  ) and may also be an Unfair, Deceptive, or Abusive Act or Practice ( XXXX  ) under the Consumer Financial Protection Act. Chase has used misleading structures and hidden limitations to extend interest payments, double-dip on minimums, and prevent consumers from taking control of their own debt. 

I request that Chase be required to : Allow consumers to pay off individual Pay Over Time plans directly Clearly disclose if a single purchase will be split into multiple plans Restructure or forgive excessive interest or fees accrued due to this policy I have attached documentation showing : The XXXX split Pay Over Time plans under XXXX My high minimum payment of {$850.00} My recent payment history ( over {$7000.00} ) I believe this is a systemic issue impacting many other consumers, and I urge the CFPB to investigate Chases Pay Over Time program and its potential financial abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: GA

Complaint narrative:
* * Subject : Formal Complaint Regarding Unverified Collection Account * * To Whom It May Concern, I am writing to formally lodge a complaint regarding an unverified and potentially invalid collection account being reported by Associated Credit Sevices, which has not complied with my lawful requests for verification under the Fair Debt Collection Practices Act ( XXXX  ). 

I have not received sufficient documentation to validate the legitimacy of the account. Specifically, the following information is requested or the item must immediately be removed from all three credit reporting agencies.I requested the following information : * A copy of the original contract bearing my signature; * Proof that the company offered lawful consideration; * The specific identities of all parties of interest ; * Sworn affidavits affirming the debts accuracy and ownership; * A full ledger of accounting documentation from inception to present ; * A breakdown of specific services rendered and associated billing codes; * A copy of the companys Georgia business license ; and * Certified copies of the company 's articles of incorporation. 

None of these documents have been provided. As such, this collection agency is in violation of both federal and state consumer protection laws by continuing to report and/or attempt to collect on a debt that remains unverified. I believe this constitutes an unfair and deceptive practice. 

I am requesting that the CFPB investigate this matter promptly and take the appropriate actions to ensure the collector complies with all applicable laws, including but not limited to : ceasing collection efforts, deleting any reporting made to credit bureaus, and providing full documentation if the debt is in fact valid. 

Please keep me informed of any updates or actions taken regarding this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NC

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, CHALLENGED OR NOT.

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 2025-05-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The following account/ inquiries listed are not mine and were unauthorized : Account Name : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: AR

Complaint narrative:
As I have been reviewing my consumer credit profile, I have noticed the account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) account # XXXX XXXX XXXX XXXX XXXX showing up on my credit profile every year with a NEW DATE OPENED. How can the same Original Creditor keep changing the date on an account to make it appear new? Re-aging a debt on a credit report refers to " CHANGING THE ORIGINAL DATE OF DELINQUNCEY FOR AN ACCOUNT, EFFECTIVELY RESTARTING THE 7 YEAR TIMELINE '', for it to be removed from my credit report. This original company or collection agency continues to alter the initial delinquency date to make it appear more recent than it is. It's also hindering my credit in a negative aspect each month as a fresh collection which also dropped my credit score with the false information, altering date of opened & not properly investigating the dispute as requested. This is a direct violation Under 15 U.S. Code 1681 - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report 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. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the 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 2025-05-04 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 am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX ) Open ( 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 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-04 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:
Dear equifax, experian, transunion, im writting to formally dispute again under FCRA 605B as these XXXX accounts attached to the FTC report have been reinserted illigally back onto my consumer credit report. This reassertion is not permitted unless the furniture certifies the information as accure and is not the resultof identity theft, and I am provided written noticeat least XXXX business days before the information is reinserted. FCRA 15 U.S.C 1681 ( d ) ( 2 ) ( a ) ( i ) definitions rules of construction exclusions! I was never given the opportunity to opt out as consumer law says im afforded! 15 U.S.C 6801 says that these financial institutions are suppose to protect my personal information as a safe guard continuously with confidentiality meanning they dont ever got the right to report my person information when I didnt give them permission for it to be reported as in the conclusion section says its against the law 15 U.S.C 6802 & 6804 section A, B & C! Not provided non disclosure opportunity for this information to even appear on my consumer report which is totally illegal! Please block under 605b XXXX  days block and remove from my consumer credit reports.

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 2025-05-04 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: TX

Complaint narrative:
I wrote and mailed certified letters on XXXX to Transunion and Experian regarding inaccurate information on my credit report. Included in the letters I sent a copy of my driver 's license which includes my one name and my one and only address. I requested an investigation and to correct my personal information as it pertains to my rights under XXXX U.S.C. XXXX. Experian did not correct my personal information, but instead added/reinserted addresses that I have no association with. Transunion have not provided nor updated my report with accurate information.

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