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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate ReportingXX/XX/XXXXXXXX Account [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of theXX/XX/XXXXXXXX account ( [ Account Number : XXXX ] ) on my Experian credit report. This account is being incorrectly reported as a charge-off while still showing a past-due balance. As you are aware, this is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting of consumer credit information. 
Inaccuracies in the Reporting : 1. Charge-Off with Past-Due Balance : The account has been reported as a charge-off ; however, it is still showing a past-due balance. According to the FCRA, once an account is charged off, it should not continue to reflect a past-due amount. This misrepresentation is misleading and in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers of credit information must not report inaccurate information.

2. Balance Reporting After Charge-Off : The continued reporting of a balance after a charge-off is inaccurate and misleads lenders evaluating my creditworthiness. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain accurate and complete records, which this reporting fails to do.

Requested Action : I formally request that Experian immediately reinvestigate this account per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to conduct a reasonable investigation when a dispute is filed. If XXXX XXXX can not verify the accuracy of this reporting, I demand the immediate deletion of this account from my credit report. 
I have attached a copy of my credit report highlighting the incorrect information, along with any supporting documentation. Please provide written confirmation of your findings and any changes made to my report within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I request the immediate removal and blocking of the unauthorized accounts on my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. As per USC 1681g, I formally ask for their deletion within 15 days. The relevant documents are included for your review.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
my information was exposed in data breach fraudulent accounts/activity were open, this company did not investigate the problem instead they are reporting fraudulent inaccurate information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also documents so i may review to see if these accounts actually an account that belongs to me and if they cant provide ny information i need the following accounts removed immediately off my credit report XXXX XXXX XXXX XXXXXXXX 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 2025-03-05 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: FL

Complaint narrative:
my information was exposed in data breach fraudulent accounts/activity were open, this company did not investigate the problem instead they are reporting fraudulent inaccurate information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also documents so i may review to see if these accounts actually an account that belongs to me and if they cant provide ny information i need the following accounts removed immediately off my credit report XXXX XXXX XXXX XXXXXXXX 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 2025-03-05 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: FL

Complaint narrative:
my information was exposed in data breach fraudulent accounts/activity were open, this company did not investigate the problem instead they are reporting fraudulent inaccurate information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also documents so i may review to see if these accounts actually an account that belongs to me and if they cant provide ny information i need the following accounts removed immediately off my credit report XXXX XXXX XXXX XXXXXXXX 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 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are incorrect personal details on my profile. Kindly review all documents that contain my correct and accurate information.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX  : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.

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 — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is refusing to help or protect me from fraud charges even though 3 out 5 representatives I have spoken to agree that it is fraud. They all tell you different information and can't get their story right as to why they can't help. The 1st 2 I spoke to said I was covered so I don't understand why now they can't.

I pay for fb ads through fb on a legit business page ad service NOT marketplace or etc. I chose the {$1.00} a day {$30.00} a month package because I am a 1 person business and I have used this service before and it went as planned. As soon as I saw the fraudulent charges on my account ( XXXX ), I called right away and I spoke to someone who agreed with me and passed me on to a fraud representative who said I was covered and to call back if I can't dispute it with XXXX  because it would be faster. In the meantime I made my instructions clear to block any future payments as I did not authorize any of this and I had ended the ad. In the end, chase failed to do so and the charges continued. The representative I spoke to in person said that some were pending when I made the 1st phone call so I don't understand why they did nothing to cancel or stop them.

I called XXXX  and they are not taking calls at this time and hang up on you. I messaged every fb " customer service " thing I could and no response.

Called Chase again and this time was greeted by 2 very very rude women who refused to even pass me on to the fraud team which I spoke to previously with no problem. She didn't try to understand the problem or was under the influence of something because she truly was not comprehending anything I was saying. It was like having a conversation with a stubborn toddler. At XXXX point she even insisted it wasn't fraud because they advertised me as if I should be okay paying {$1500.00} when I agreed to {$30.00} a month. It got so bad I just ended up hanging up on her because she was so awful at taking in information. 

Saw that they marked it as fraud anyways but then got a letter saying I have to pay it all. 

Went to the chase bank in person and showed her what I had and she said she believes me it's all fraud but since I put my card on XXXX  even though it's for a XXXX  service, they can not help ( 1st time hearing this excuse ). I don't understand how everyone can be like yes it's fraud but you're on your own. What is their protection for! Chase should be ashamed and I'm honestly feeling targeted by the women I talked to during my 2nd phone call. Please help! Cropped out my info from pictures because this says no personal information but I can send it if needed. I authorized {$1.00} a day, {$30.00} a month, for one month. NOTHING else

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name :XX/XX/XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXXXX/XX/XXXXAccount number XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX INQUIRIES : XXXX XX/XX/year> NXX/XX/XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> CXX/XX/XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.

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: U.S. BANCORP
State: OH

Complaint narrative:
I agreed to settle a charged off debt with US bank if they were to remove the negative reporting on all three credit reporting agencies and verbally over the phone with the representative agreed and paid the requested amount to settle the account in full. I was never informed about a 1099c because this is now income nor did I receive such documents. I filed a dispute with XXXX but nothing was done? There are FDCPA violations on the reporting alone but showing on there own credit reporting report that the account was XXXX days late than ND XXXX days late and no charge-off showing even though it was charged-off in 2022? Again no 1099c and no debt validation received about the debt? At this point XXXX is violating FDCPA by reporting inaccurately. US bank is as well in violation of the FDCPA by reporting inaccurately. As you can see from the XXXX different reporting agencies that the information does not match which just proofs the inaccurate reporting. I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given by both parties involved. I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

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

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 XXXX. 

XXXX ( Account : XXXX ), XXXX XXXX ( Account : XXXX ), Bank XXXX XXXX ( Account : XXXX ), XXXX ( Account : XXXX ), XXXX XXXX XXXX ( Account : XXXX ), XXXX ( Account : XXXX ), XXXX Bank ( Account : XXXX ), XXXX ( Account : XXXX ) has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC XXXX ( XXXX ) ( b ). I request that they be immediately removed from my credit report as required by the Fair Credit Reporting Act. 

And according to 15 USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC XXXX they are suppose to 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. 

15 U.S.C. XXXXB ( A ) ( XXXX ) 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. I request that they be immediately removed from my credit report as required by 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 2025-03-05 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: NC

Complaint narrative:
XXXX XXXX Account reporting as open with a balance, has not been updated since XXXX of XXXX. The account was paid in full on XX/XX/XXXX and closed by the credit grantor. Although the creditor reported the change to Transunion they continued to report outdated information. I Disputed the accuracy of the account in XXXX of XXXX and it came back XX/XX/XXXX as verified and accurate. I contacted the creditor and they advised me that they received the dispute and provided Transunion with the updated account information, the XXXX balance and closed account status - however Transunion reported they verified the account as accurate and did not make any updates. This account is impacting my creditworthiness due to XXXX failure to update the report. Delete this account from my credit report for inaccuracy.

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

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief