23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate. 

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
Product: Credit card or prepaid card

I filed for Bankruptcy, Chapter XXXX in XX/XX/XXXX. I had an existing XXXX  's credit card with a XXXX  balance at the time. My bankruptcy did not include XXXX  's on the Schedule F. I thought I would receive notice that they closed my account, but they never did. I used the credit off and on over the next 5 years always paying my balance off right away. My BK was discharged in XX/XX/XXXX. The next time I tried to use my XXXX  's card it was declined. I called to see why, and they told me it was because I was in bankruptcy. I explained that I was in BK but that it is now discharged, and that XXXX 's was not even a part of it. They refused to speak to me any further. I have not tried to open another account with them. I did not realize they were reporting derogatory information to my credit. Now my husband and I are trying to qualify for a home loan and the current lender is telling me that XXXX  's is reporting that they closed my account because of bankruptcy. The lender is stating that if it wasn't for XXXX  's there would be no mention of the BK at all on my credit report and that this is tripping us up as to the home loan we want. I believe XXXX 's should remove this information from my credit as they were not even on my Schedule F. I have made several calls but all they do is refer me to an address and won't even listen to my complaint. I gave them permission to speak with my lender and the credit bureaus but XXXX  's will not acknowledge that they were not even a part of my BK. I have the copy of the Schedule F that clearly does not list XXXX 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 2 years I have been battling with Equifax to allow me access to my online credit report. They asked me to send in documents to verify my identity. I mailed the documents twice. I sent a copy of my driver 's license, my social security card, billing documents, and a letter. I also faxed it to Equifax. After all that I still do not have access to view my credit from their website and I'm still not able to get my annual credit report.
Product: Credit card

Since XXXX i have hade there services i have always made payments on time. Over the years they have done 2 limit decreases on my credit card up until XX/XX/XXXX have.The Problem is American Express/Hilton looking at my credit reports at my total debt that determined all these decisions. They did not have the authority nor permission to keep looking at my credit report to determine how they handle my account, this is a clear violation of my FCRA Rights. My Credit score has been dropped and damaged due to these credit decreases.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
BARCLAYS BANK DELAWARE XXXX Balance {$5800.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate address listed on my consumer report. For the past XXXX months, I have contacted Experian about the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, which is not associated with any of my past or recent accounts. 

Despite my repeated attempts to resolve this issue, Experian has failed to correct this information. This situation is beginning to resemble the case of XXXX v. Experian XXXX XXXX XXXX XXXX, where inaccurate information caused significant distress to consumers. 

According to the Fair Credit Reporting Act, when a consumer disputes the completeness or accuracy of any item in their file, the consumer reporting agency is required to conduct a reasonable reinvestigation. I feel that Experian has not fulfilled this obligation in my case.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I XXXX XXXX submitted a complaint to the CFPB regarding consumer violations against XXXX XXXX. XXXX XXXX has deliberately and repeatedly violated consumer laws against XXXX XXXX and because of that XXXX XXXX requested that XXXX XXXX Cease and Desist any and all collection and communication activities against consumer XXXX XXXX to other third party entities. XXXX XXXX violated rights of consumer XXXX XXXX by reporting account in review as delinquent on XX/XX/XXXX ( 5 days later ) and deliberately and knowingly and intentionally bringing harm to the reputation of consumer XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Public record inaccurate. My personal information on the XXXX XXXX report is inaccurate. I disputed the information however it is still inaccurate. I have a copy of my driving record from the state department of Illinois State motor vehicle. I need the information on the XXXX XXXX report to coincide with what is on my legal report from the motor vehicle department of the state of Illinois my driving record.I want to dispute information on XXXX XXXX reference number XXXX. XXXX XXXX Phone : XXXX Opt 1,2 Email : XXXXXXXXXXXX
Product: Vehicle loan or lease

The Fair Credit Reporting Act ( FCRA ) regulates the information that can be included on consumer credit reports. According to 15 U.S.C. 1681 a ( d ) ( 2 ) ( A ) ( i ), consumer reports can not include information about " transactions and experiences '' between a consumer and the entity providing the information ( you, the creditor ) .The term " transactions and experiences '' within the FCRA has been interpreted to encompass late payment information. Therefore, CREDIT ACCEPTANCE CORPOR including a late payment on my credit report violates the FCRA.
Product: Credit reporting or other personal consumer reports

FCRA Violations Not mine not my credit cards XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$24000.00} XXXX Account charged off. {$24000.00} written off. {$24000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Account charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8000.00} Status Account charged off. {$8000.00} written off. {$2700.00} past due as of XX/XX/XXXX. 
never lived here XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX  not my phone number ( XXXX ) XXXX ( XXXX ) XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX, XXXX XXXX Balance : {$4600.00} ; XXXX XXXX XXXX Balance XXXX {$3800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$28000.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is XXXX reporting account closure information on XXXX A. not all account closures have anything to do with me. It was a bank error regardless it looks bad for me. 

XXXX. XXXX is this secondary company to compile information? 
EXETER FINANCE CORP XXXX XXXX XXXX XXXX XXXX XXXX. MN XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus and the creditors XXXX XXXX, MIDLAND FUND ( Original Creditor : XXXX XXXX XXXX ) and XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ). These accounts are out dated and Paid in full. I have asked the bureaus and the creditors to remove/correct their inaccurate reporting. Please help. These account are incorrectly reported and impacting my credit score negatively. TY
Product: Credit reporting or other personal consumer reports

I submitted a dispute to TransUnion on XXXX XXXX regarding inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), TransUnion had 30 days to investigate and respond. When I called TransUnion on XX/XX/year>, they claimed they mailed a response on XX/XX/year>, but I never received it. 

I requested proof of mailing or delivery, but they could not provide any tracking information or confirmation that it was sent to the correct address. Since they failed to respond within the legally required 30-day timeframe, they are in violation of FCRA and must delete the disputed item ( s ) from my credit report.

I am requesting that TransUnion immediately remove the disputed items due to their non-compliance. Additionally, I would like the CFPB to investigate this matter and ensure they are held accountable for failing to follow federal law.
Product: Debt collection

LENDING CLUB CORPORATION is reporting a fraudulent account I do not owe. also In the state of Georgia Collection of Debt on Account 4 yrs. 9-3-25 According to the FCRA the Time limit begins 180 day after the first delinquent payment FCRA ( c ) Running of reporting period. 6 ) ( 2 ) ( 1 ) In general in paragraphs ( 4 ) and ( of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. ( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the.
Product: Credit reporting or other personal consumer reports

Dated back to XX/XX/2024. I had the account closed in XXXX and in XXXX I asked to be placed in a credit counseling program to pay off the debt so I would not be charged for any fees. But I continually got charged late fees and 30  days late on my credit reports.
Product: Debt collection

On or about XX/XX/2019 I contacted Synchrony Bank regarding fraudulent charges on my account. 
I was first put through a phone line dedicated to preventing me from contacting their fraud unit. After waiting about ten minutes to talk to a live person. 
The person I spoke with refused to allow me to contact the banks fraud unit and instead told me to contact the merchant who placed the charge. 

I was put on hold for another ten minutes, while they had me contact the merchant directly, which did not turn out well, as they tried to state that I might have subscribed to XXXX XXXX by Mistake, which I did not do and therefore I was liable for the charge. 

It was not until I told the representative that I would be contacting CFPB that they agreed to remove the charge. 

I should not have to go through this long ordeal, for someone else 's actions, and Synchrony Bank should have been the one investigating fraud on my account, which they did not do, is violation of the credit laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent in letters over 65 days ago to this bureau and they are disregarding a regular consumer dispute. I have experienced emotional stress because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX 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, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible. 
Account name- XXXX Account name- XXXX XXXX XXXX Account name XXXX XXXX
Product: Vehicle loan or lease

I have been under CarHop Finance for my car XXXX  XXXX  XXXX  and the car computer has broken and left me and my wife stranded for three days in the city at a gas station with no money no ways to fix it the computer broke on the car and then they would not fix the car I was left no other option but jump on a bus and take my family home I have not seen my car or anything or heard anything about it they're charging me for this car but I do not have this car they are unwilling to fix the problem of the they car sold they sold me the car I would like to be forgive him for this loan and I want to sue for the problems and issues of CarHop CarHop not help me fix my life but made it worse my family is struggling everyday to keep finances straight with the world and covid-19 taking in the fact I have not been able to recover.
Product: Debt collection

American Express, who I do owe money to, is calling my relatives and friends asking for me!! I have asked them not to do this and just this morning my brother called me to say they called him looking for me. This is extremely unethical and probably illegal?? 
This is the number that constantly harasses me and my family and friends. 
XXXX
Product: Credit reporting or other personal consumer reports

The Transunion credit bureau is reporting a fraud account on my credit report from XXXX XXXX. I have disputed this account several times with the credit bureau. However, they have not responded back to me. I reported that this is a fraud account that is showing as a charge off on my credit report in the amount of {$17000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  in XXXX starting XX/XX/XXXX I was on my house/townhome journey. I started my XXXX application with a lender and with a 2-week grace period I shopped around with other lenders. I was told that I had a 23-week time frame to shop around with lenders so it wouldn't affect my credit or credit score. But i didn't know that they would all show up on my credit report as hard inquiries. I was told they weren't supposed to show, only the 1st lender I shopped with and as long as the others were within the small timeframe window that they're not supposed to show up as hard inquiries nor hurt my credit score and they have. So, all the hard iquiries in XXXX of XXXX should be removed immediately from all XXXX credit bureaus. I don't know what XXXX is, I never applied through this company. I did apply for the XXXX XXXX XXXX so I understand why that hard inquiry is there. 



XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( BANK ) XX/XX/XXXX XXXX
Product: Student loan

On XX/XX/XXXX of XXXX I successfully received a school misconduct discharge of my Navient private loans due to school misconduct by XXXX XXXX. Last XXXX, I was also granted full discharge of my Federal Student Loans due to school misconduct by XXXX XXXX. 
I have private student loans with Nelnet. I reached out to XXXX in regard to my request for consideration of school misconduct discharge. XXXX responded by saying " Dear XXXX XXXX : A you may already know, XXXX currently administers your XXXX XXXX XXXX. A XXXX XXXX XXXX XXXX XXXX application is unavailable at this time. As mentioned in our previous email, your request for loan discharge was elevated and reviewed as a priority. As a result, it was determined that the loans owner, Nelnet XXXX XXXX XXXX XXXX, is unable to forgive student loans due to fraudulent activities by the school. " These loans which originated in XXXX the very year XXXX XXXX  began its campaign to mislead students into enrolling or keep students enrolled with false claims of graduation rates, job placement, and salary rates. 
It is time all private lenders should allow the discharge of loans given to attend for profit schools who have committed misconduct.
Product: Credit reporting or other personal consumer reports

Open XXXX XXXX XXXX XXXX reporting twice on Equifax report. The same accounts are duplicated
Product: Credit reporting, credit repair services, or other personal consumer reports

It is common knowledge that CRAs do not investigate errors in the interest of the consumer, but rather err on the side of paid subscribers. It is a business and nothing more. a form letter with a typed name and no signature is NOT verification! 


I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or haven't gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly according to the 15 us code 1681. The law clearly states 1. Accuracy and fairness of credit reporting. Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy Of Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. The company known as " XXXX XXXX XXXX '' is known to have a multitude of FCRA violations but can list with the 3 major CRAs without regard for consumer rights. This is a clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer.
Product: Credit card

In accordance with the Fair Credit Reporting Act Comenity Capital BankXXXX XXXX , 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 218 15 USC 1666B : A creditor may not treat a payment on a credit card account under an Q 8 open end consumer credit plan as late for purpose.