23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX ... I am XXXX years old ... .I HAVE NEVER LIVED IN XXXX , GEORGIA ... .I HAVE LIVED IN XXXX, GEORGIA my entire life ... .yet EXPERIAN has yet again added an apartment COLLECTION ON MY CREDIT REPORT THAT WAS ONCE REMOVED AND PROVEN TO BE FRAUD ... ..I HAVE NEVER ATTENDED ANY SCHOOL IN ALL MY XXXX  YEARS, YET EXPERIAN IS REPORTING STUDENT LOAN ACCOUNTS ON MY CREDIT REPORT THAT DEFINITELY DO NOT BELONG TO ME ... .THAT STARTED IN XX/XX/2015!!! 

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business  days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Product: Credit reporting or other personal consumer reports

I am writing regarding a serious issue involving the re-insertion of inaccurate information in my credit report by Equifax. This complaint is being filed pursuant to the Fair Credit Reporting Act ( FCRA ) to address the following violations and seek appropriate relief. 

Previously, XXXX XXXX identified XXXX inquiries on their credit report that were inaccurate. After filing a dispute with Equifax, these inquiries were investigated and subsequently removed from XXXXXXXX XXXX credit report. However, it has come to our attention that these same inaccurate inquiries have been re-inserted into my credit report without proper notification or justification. 

Violations of the FCRA : Under the Fair Credit Reporting Act, Equifax is required to adhere to strict guidelines when handling consumer credit information. The following violations have been identified in this case : Re-insertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Equifax has violated FCRA by re-inserting information that was previously deleted without following the mandated procedures. Specifically : 1. Notification Requirement : Equifax failed to provide XXXX XXXX with a notice of re-insertion within five business days as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ).

2. Certification Requirement : Equifax did not obtain or provide Tracey Byrd with a certification that the information was accurate and complete, which is a prerequisite for re-insertion under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ).

3.Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) : Equifax has failed to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : [ ssn ] | DOB : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX I was looking over my credit report today and found a bankruptcy which should not be on my account. I would like you to investigate and verify the following bankruptcies, or promptly remove them from my credit report : Court : US BKPT CT GA XXXX Reference Number : XXXX Reason : Unverified Bankruptcy Court : US BKPT CT GA XXXX Reference Number : XXXX Reason : Unverified Bankruptcy Please respond to me in writing, and include the " method of verification '' pursuant to FCRA 611 ( a ) ( 7 ). This should include : 1. The name of the courthouse which you verified the information with 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. The telephone number for the Clerk of Court 's office 5. Which document you obtained to verify the bankruptcy Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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 ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally lodge a complaint against the credit reporting agencies, Experian, XXXX, and XXXX, for their ongoing violations of the Fair Credit Reporting Act ( FCRA ). It appears that these credit bureaus have decided to disregard the law due to their own greed, failing to provide accurate and complete information regarding my credit accounts, which constitutes a violation of Section 607 ( b ) of the FCRA.

Furthermore, I am requesting proof of any previous investigations conducted regarding my complaints. I would like to know the methods used in these investigations and request all records of communication with the lenders involved, including : 1.The contact information of the lenders ( name, address, and phone number ).

2.Documentation that substantiates any claims regarding late payments on my accounts.

Please provide this information within 10 days. If you are unable to furnish the requested documentation in this timeframe, I ask that my account be updated to reflect a status of PAID/LATE. 
Thank you for your attention to this matter. I look forward to your prompt response. 

XXXX is the only bureau that is reporting as paid on time. 

EXPERIAN AND XXXX A REPORTING IT WRONG
Product: Debt collection

To Whom it May Concern i am tired of being harrassed by debt collectors I XXXX XXXX consumer, and natural person am aware of all the rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ) The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Section 602A States I have the right to privacy. The Fair Credit Reporting Act ( FCRA ), also known as Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). These agencies compile reports on individuals for various entities, including credit card companies, banks, employers, landlords, and others. The FCRA forms the foundation of consumer rights law in the United States, alongside the Fair Debt Collection Practices Act ( FDCPA ). It aims to protect consumers from the inclusion of erroneous data in their credit reports. Key provisions of the FCRA include regulations on collecting, disseminating, and using consumer information, particularly related to credit history. FCRA Section 623 ( a ) ( 1 ) ( C ) outlines the responsibilities of furnishers of information to consumer reporting agencies ( CRAs ). Let me break it down : 1. Duty of Furnishers of Information to Provide Accurate Information : Prohibition : 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. Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. The information is, in fact, inaccurate. The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. The information is, in fact, inaccurate. No address requirement : If a person clearly and conspicuously specifies an address for notices related to inaccuracies, they are not subject to the abovementioned prohibition. However, selecting such an address is not mandatory. 2. Prohibition : 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 LVNV FUNDING ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a debt validation letter on XX/XX/XXXX requesting validation for debts they 'd put on my credit report. On XX/XX/XXXX - the company responded with five letters stating that their was an error and the alleged debts would be removed from credit file within 30-45 days. Well, 30-45 days passed and the debts continued to report. So, on XX/XX/XXXX, I decided to send out a reminder to the company that they were had several accounts on my credit report that they 'd assured me would be removed. This letter went ignored. It is now.. XX/XX/XXXX and the accounts are STILL being reported.
Product: Credit reporting or other personal consumer reports

This company has been violating my rights. I have did a dispute with them before and they have only deleted XXXX account from my credit for inaccurately reporting. The last account that still on my credit they stated they believe I was not the one that made the complaint which I was.I was informed to XXXX them a call to get permission for them to complete the investigation which I did call and give them permission to go forward with the investigation. I have heard nothing back and still show its reporting to my credit. They only removed XXXX account. 

My reason for disputing because they were reporting multiple charge offs on the account till this day of 2024. I disputed with XXXX on this information and they left it on my report. They did an investigation and actually removed one of the capital one accounts that was reporting. I will provide information on that as well.

According to 15 U.S.C. 1692e, debt collectors are prohibited from using any false, deceptive, or misleading representations or means in connection with the collection of any debt. Reporting incorrect information to credit bureaus constitutes a violation of this provision.

In accordance with the fair credit reporting act FCRA section 1681 15USC 1681. Violating my rights reporting inaccurate information. Also 15USC 1692 ( e ) falsely misleading multiple charge off.

When I reached out to them they actually verified they are reporting correct WHICH THEY ARE NOT again charge off are reported ONCE not multiple times. I attached a picture below to show how they are still reporting and been reporting incorrect!

This account has been on m y report long enough and still reporting inaccurate! Needs to be removed as this is round 4 with capital one.
Product: Student loan

In XX/XX/XXXX me and my cosigner submitted documents to help lower monthly payments several amounts of private information that already made both of us uncomfortable. After working with several different people for months and hearing several different things we were finally told that it didn't matter if we had other bills and needed to live that if we both worked then we had to make the payments which is XXXX a month after several attempts to stay on time working two part time jobs the account fail behind.. and at the end of last year I was in a area affect by the hurricane and the account went into forbearance I called in to see when the payment would be due and was given incorrect information which later caused the account to continue to be behind which begin charging me crazy amounts for late fees. There has yet to be a time where we have called in for information and received the same information. I do believe that there has been some illegal practices when it comes to this company, we have tired everything an they keep making it harder and harder with scary tactics, and incorrect information.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX I received a copy of my credit report and found the following item ( s ) errors. THIS IS MY SECOND TIME DISPUTING THIS INFO ; however, Transunion continues to report it. Here as follows are items in error : This was negatively reported for four months in a row, starting with a 60-day late, a 90-day late, a 120-day late, and then another 60-day late entry. *See attached screenshot, page 2.

I am the co-signer on this loan. When my niece fell gravely ill last year, I called to make arrangements with XXXX XXXX. The agreement was that I would make the reduced payment amount for three consecutive months. XXXX XXXX referred to these 90 days as the " preliminary period '' or something similar. After making the third payment, the agreement would commence for two years.

I set up and started making the monthly payments via auto-draft. 1 month later, I received an email that my credit score decreased significantly. I called XXXX XXXX, who advised that they reported as late during the preliminary period of the agreement, but that the late reporting would be removed, after I completed the 3 monthly payments successfully, making the 2-year arrangement confirmed.

These marks are going to cause me to lose my property as my bridge loan has matured, after extending the loan ( back in XXXX when I disputed this the last time ) due to this TransUnionXXXX XXXX fiasco and the effect it has had on my cumulative credit score. I need to refi and My TransUnion score is significantly lower than the others because of this inaccurate reporting.
Product: Debt collection

1. XX/XX/XXXX I received a credit alert from XXXX as I receive alerts with all activity on my credit report. 

2. The alert indicated a collection reported on XX/XX/XXXX in the amount of {$2200.00} from XXXX XXXX with a open date on XX/XX/XXXX and last payment of {$110.00} that stated the balance effective XX/XX/XXXX is {$2200.00} opened with XXXX XXXX. I never even made a payment of {$110.00} as this account does not belong to me and is a fraud account. 

3. I never received any correspondence from XXXX XXXX or XXXX XXXX via mail or telephone. I have no idea who this company is, I have no credit with this company. If you review my credit inquiries I don't even have any credit from these companies at all. 

4. I attempted to contact them at XXXX and they refuse to assist me and said I owe {$2200.00}. I asked for correspondence because I have no paperwork, statements, calls, or anything, as this is not my account and it is fraud. They just stated I owe them this money and refused to provide me any correspondence. I advised them that this is a fraud account because it does not belong to me. 

5. I disputed with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX   found the information accurate and refused to remove it from my credit report and told me to contact XXXX XXXX as I did and they refused to provide me with any correspondence as well. I asked XXXX how they were able to find this collection accurate in one day after each dispute and how did they find this to be accurate as this account was never on my credit report and then suddenly 2 years later they report a collection that does not belong to me. Their response was some companies are faster then others and advised me to file a complaint with you.
Product: Debt collection

Debt appeared on credit report, company was contacted but verification was never sent. Dont know anything about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX, DC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$24000.00}, ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XX/XX/XXXX as well as XX/XX/XXXX I contacted all 3 credit bureaus in regards to fraudulent accounts on my credit reports. I also contacted XXXX XXXX XXXXXXXX about the {$4500.00} on my credit in XX/XX/XXXX and was told there were no accounts in my name or under my social. I never signed anything for this account. LVNV funding in the amount of {$20000.00} was not opened by me and I never signed for this account. I tried reaching someone about this but no response received. XXXX account {$510.00} was not opened by me. I filed a dispute for this account XX/XX/XXXX. My identity and social security card was stolen.
Product: Credit reporting

The State of Alabama HR has falsely reported the payment history, balance and subjected payment amount of my child support incorrectly to Experian. I have tried on numerous occasions to have this account removed due to it 's wrong reporting. The account continues to come back as a verified account, however I have proof that the information being reported is incorrect. I have been in the process of working with a realtor and I recently applied for a home loan. However, I was denied due to this account showing as a delinquent account most of XXXX. My child support is automatically deducted from my check each week. The deduction is labeled as " Other Deduction 1 ''. The stubs in question are XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX. This account has caused my credit scores to stay in a poor range. The falseness of this account is a violation of the FCRA " Willful Financial Discrimination ''. 

I sent a certified letter asking for validation and payment history on this account and I never received a response. I sent a letter asking for the account to be sent to my state of residence and still no response. According to Alabama Child support policy " Arrears is only reported if the account is in the arrears over {$1000.00} '', which my account is not!
Product: Credit reporting or other personal consumer reports

XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I emailed Coinbase to follow up about a balance transfer of any bitcoins from my old account to my new account. They responded on the same day saying they will process and follow up. I didnt hear back, so I contacted them on XX/XX/XXXX. On XX/XX/XXXX I followed up to see if there was any progress. They responded back and said that the issue has been escalated and a review will typically takes 5-7 days, after that they will confirm that my issue has been resolved. I did not hear from them. I reached out today, this time with a phone call, and was told Coinbase was backed up. The representative also said she placed my issue as high priority. 

This has been happening for a few months and I dont know how much bitcoin is in my account now.
Product: Credit card

I was issued a refund on a travel purchase that was credited to my Sam 's Club XXXX XXXX issued by Synchrony Bank. The refund, {$4100.00}, was transferred to my account, # XXXX XXXX XXXX XXXX, on XXXX XXXX 2016. In a call to Synchrony Bank today, they said they could only send me a refund by check and that would take up to a month, corresponding to my next billing cycle. So Synchrony has a plan to hold my cash for another month before returning it to me. Yet when I pay my account at Sam 's Club or at Wal-Mart by check, they immediately electronically draft the payment out of my bank account. But they claim they have no way to electronically return my cash to my bank account except by check sent by USPS mail. 
Synchrony Bank has very effectively stacked the procedure to take advantage of their customers and that indeed is wrong. 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX