vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: MS

Complaint narrative:
On XX/XX/year>, I noticed that my Experian credit report contained an inaccurate collection account from XXXX XXXX for {$250.00}, with address XXXX XXXX XXXX TN XXXX reported as past due as of XX/XX/year>. This information is incorrect and has negatively impacted my credit score.

I formally disputed this entry with Experian, but despite my request, the account remains on my report without proper verification. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must remove inaccurate or unverifiable information. 

I request the immediate removal of this account from my credit report. If it is not removed within the legally required timeframe, I will take further legal action for damages of {$6000.00} due to financial and emotional distress caused by Experian 's failure to correct this issue. 

Please confirm the removal of this inaccurate account in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries on my Equifax credit report. I did not apply for credit with the following companies, nor did I authorize them to conduct a credit inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Since I did not give permission for these inquiries, I request that Equifax conduct an immediate investigation. If these inquiries can not be verified with documentation proving my consent, they must be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
As I was acceding my bank account I noticed that the amounts of {$100.00} and {$170.00} were taken out of my account as a reversal charge on XXXX XXXX. I dont know where these charges are coming from as I do not have record of this on my XXXX XXXX. It says that both are from XX/XX/year>. I call the costumer service lines and nobody helps. They pretend to help and then dont actually end up doing anything about it. I got scammed not too long ago and at first they were very helpful. Later on, another {$550.00} check was cashed under my name. I called because I did not cash this check and it seemed like the scammers still had my information. They told me I would received my money back, after days and days of calling to see when I would received it back, they told me I actually would never get that money back. The customer service representatives pretend to be helpful. Now this. A charge that I have no idea where it came from. it seems that CHASE is stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: Aspen Yo LLC
State: PA

Complaint narrative:
All My Payments for XXXX  was held in a XXXX account that was frozen due to a Class Action lawsuit. 
Caused my mortgage to be late in XXXX refusal all payments to keep up to date. 
they stated the want the previous payments before current payments even when ive provide the current company proof of payments. 
I was told it was nothing that could be done because of the issue. 
Outstanding balance of {$6000.00} I want to pay and stay in my place without any more issues.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Previous Address : The following previous addresses are wrong : ncorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXXXXXX XXXX XXXX, GA, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting 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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX Balance : {$7100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX Balance : {$7100.00}

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 2025-04-04 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: MD

Complaint narrative:
Upon checking my credit report, I identified some incorrect information. The three credit bureaus are obliged to verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unauthorized to report unverified accounts without providing proof within the required period by law. Please investigate and correct the following accounts listed on my credit report. 

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

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 2025-04-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-04 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: PA

Complaint narrative:
This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my report regularly, and this has never happened before. I even refreshed my browser, thinking it was a temporary glitch, but the issue remained. This is extremely frustrating, and I need my submitted documents to be reviewed thoroughly so I can stop worrying about this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2025-04-04 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2025-04-04 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: LA

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite my written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-04 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:
Violations Under 15 U.S. Code 1692g This statute requires that debt collectors provide consumers with specific information about their debts within five days after their initial communication. Failure to comply with these requirements can lead to inaccuracies in reporting and thus necessitates deletion from credit reports. XXXX XXXX XXXX have not complied to this law and collection needs to be deleted from credit report. XXXX XXXX XXXX has also violated my rights Under 15 U.S. Code 1681e ( b ). This section mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. Information is inaccurate due to improper investigations by XXXX XXXX XXXX which has failed to verify account number XXXX accurately. Attached is copy of XXXX report showing XXXX XXXX XXXX as original creditor whereas Experian is reporting Arm XXXX XXXXXXXX XXXX XXXX as the original Creditor. This is a violation and inaccurate, and account number XXXX needs to be deleted from credit report on XXXX, Experian, and XXXX per the law under 15 U.S. Code 1692g. I also filed a complaint on XXXX XX/XX/year> with CFPB ref. CFPB open case XXXX. XXXX XXXX XXXX still didnt comply to law and violated my rights. 

I am writing to formally dispute the accuracy once again of the negative item reported on my credit report with account number XXXX. This letter serves as a request for verification of the debt in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 6802.

Request for Method of Verification As per 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide me with the method of verification used during your investigation into this matter. Please include : 1. Description of the Procedure : A detailed explanation of how you verified the accuracy of this debt.

2. Documentation : All documentation obtained during your investigation that supports your claim that this negative item is reporting accurately.

Inquiry Regarding Securitization Additionally, I would like to inquire whether this debt was securitized by the original creditor. If so, please provide evidence of this securitization and any relevant documentation that substantiates your claim.

Deadline for Response XXXXXXXX XXXX XXXXXXXX needs to respond to this request within 15 days from the date of this letter. If you are unable to provide sufficient evidence supporting the validity and accuracy of this negative item, I request that it be deleted from my credit report in compliance with applicable laws. Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Violations Under 15 U.S. Code 1692g This statute requires that debt collectors provide consumers with specific information about their debts within five days after their initial communication. Failure to comply with these requirements can lead to inaccuracies in reporting and thus necessitates deletion from credit reports. XXXX XXXX XXXX have not complied to this law and collection needs to be deleted from credit report. XXXX XXXX XXXX has also violated my rights Under 15 U.S. Code 1681e ( b ). This section mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. Information is inaccurate due to improper investigations by XXXX XXXX XXXX which has failed to verify account number XXXX accurately. Attached is copy of TransUnion report showing XXXX XXXX XXXX as original creditor whereas XXXX is reporting Arm XXXXXXXX XXXX XXXX XXXX  as the original Creditor. This is a violation and inaccurate, and account number XXXX needs to be deleted from credit report on TransUnion, XXXX, and XXXX per the law under 15 U.S. Code 1692g. I also filed a complaint on XXXX XX/XX/year> with CFPB ref. CFPB open case XXXX. XXXX XXXX XXXX still didnt comply to law and violated my rights. 

I am writing to formally dispute the accuracy once again of the negative item reported on my credit report with account number XXXX. This letter serves as a request for verification of the debt in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 6802.

Request for Method of Verification As per 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide me with the method of verification used during your investigation into this matter. Please include : 1. Description of the Procedure : A detailed explanation of how you verified the accuracy of this debt. 
2. Documentation : All documentation obtained during your investigation that supports your claim that this negative item is reporting accurately.

Inquiry Regarding Securitization Additionally, I would like to inquire whether this debt was securitized by the original creditor. If so, please provide evidence of this securitization and any relevant documentation that substantiates your claim. 

Deadline for XXXX XXXXXXXX XXXX XXXXXXXX needs to respond to this request within 15 days from the date of this letter. If you are unable to provide sufficient evidence supporting the validity and accuracy of this negative item, I request that it be deleted from my credit report in compliance with applicable laws. Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-04-04 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: GA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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
Consumer complaint received 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 non-monetary relief
Consumer complaint received 2025-04-04 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: 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 response to consumer: Closed with non-monetary relief