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

CFPB just sued Equifax for not correctly doing an investigation. 

To Whom It May Concern, I am filing a formal dispute regarding Equifaxs mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Equifaxs handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my Equifax 's credit report : XXXX XXXX XXXX account number XXXX Despite submitting evidence to support my dispute, Equifax failed to conduct a proper investigation. Specifically : XXXX. Sham Investigations : Equifax failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
XXXX. Failure to Provide Investigation Results : The response I received from Equifax vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concern Equifax may have improperly reinserted information I previously disputed and believed to be corrected.

Equifaxs actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 
XXXX. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings. 
XXXX. Remove Inaccurate or Unverifiable Information : If Equifax the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately. 
XXXX. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 
XXXX. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If Equifax can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company closed my credit card due to lack of use, which shortened my credit age.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to the credit bureau a rental purchase, and the credit bureau needs to removed this listing as a matter of law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX I further remind you that, as in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXXXXXX XXXX, ( XXXXXXXX XXXX XXXX XXXX ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in XXXX  and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 

Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 


Re : Case # : XXXX MCM # : XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX. 
Original Account # : XXXX XXXX : XXXX Current Balance : {$590.00} Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. 
I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Sunrise Credit Services reported a delinquent account for {$94.00} on XX/XX/2016, XXXX, and XX/XX/XXXX. This same debt seems to be also have been reported by XXXX XXXX XXXX at lest once. I reached out to both companies and they both claim that this debt is from XXXX XXXX XXXX. When I request any documentation from either company showing proof of this debt I am told that it can not be provided.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : 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 reporting, credit repair services, or other personal consumer reports

I sent an FTC Identity Theft Report to Equifax to dispute inquiries on XX/XX/2021, I received a letter that I will attach to this complaint informing all the inquiries that have been removed from my credit report. I checked my report right away after receiving the letter and discovered that many of the inquiries and items that the letter says that was removed are still on my credit report.

When I called Equifax about the issue they said that I have to send the documents again to start the dispute process one more time.

I sent another FTC Identity Theft Report to Equifax, with the disputed inquiries very clear and Equifax keeps sending me letters that they can't find my credit file even that I sent documents to prove my identity.

The last letter I received from Equifax shows that all the inquiries disputed and listed in the identity theft report will stay in my report because they are factual records of file access even that they are included in the identity theft report and I received the attached letter from Equifax informing that they were removed before.

Please see attached documents.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$610.00} Opened ( XXXX ) Actions that were implemented were me informing the agencies that Under the doctrine if XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MO ) XXXX XXXX XXXX. I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist. 
15 USSC 1681c-b never giving written consent to furnish or obtain my information. Taxes are written off for unpaid debt while debt is being sold to collection agencies that illegally obtain recovered money for their own selfish, self-fulfilling beneficial gain. You are illegally recovering money from me that has been already been recovered through tax write off. Technically, I dont owe the credit agencies because I never borrowed anything from you. Information is being illegally collected for third party collection agencies to obtain social security numbers and birthdays for self-use of incriminating people to fall under the impression that you were are the initial loaners and that debt needs to be paid back to the initial loaning agency for relief. I do not owe the collection agency because once again 15 USSC 1681-6-C, B is never giving written consent to furnish or obtain my information because that is relating to identity theft. In accordance with the Fair Credit Reporting act. The List of account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX XXXX has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a closed account that is reporting late payments on my account in error. I've contacted the company directly to ask to report accurately on my account and remove late payments. I was told that they could not do it and to speak to the credit bureau. I've spoken with the bureau " Transunion '' and my account still haven't been resolved. 

I have every right to have inaccurate errors removed on my account. and this error has not only hinder my credit report, but also everyday life when it comes to funding and education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on multiple occasions to have this inaccurate information removed from my credit report from XXXX in order to have a more accurate report. I would like to have these negative and unauthorized inquires and old address removed from my credit report. The credit bureaus have failed to accurately respond to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XXXX reported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with XXXX XXXX XXXX XXXX. <P/>XX/XX/XXXX XXXX reports FICO score dropped XXXX points same day as XXXX 30 day late report hit the bureau. <P/>XX/XX/XXXX XXXX Credit Limit decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX Discover XXXX XXXX XXXX Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX XXXX Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have. <P/>Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof. <P/>Please help me. I do n't have money to go and hire a credit lawyer or anything like that. <P/>I have statements from XXXX showing that my account is in good standing and that it is paid off but they will not update my report. <P/>How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?
Product: Credit reporting, credit repair services, or other personal consumer reports

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature. I the original creditor, am submitting this complaint myself. Please do not disregard this complaint as done previously.
Product: Credit reporting

Last bill dated XX/XX/2016 shows account paid in full and a XXXX balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin, XXXX XXXX XXXX XX/XX/2025 Subject : Request for Debt Validation, Chain of Ownership, and Cease and Desist I hope this letter finds you well. I am writing to formally dispute the validity of the debt you claim I owe and to request specific documentation regarding this matter. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt being collected, and I am exercising that right now. 
To ensure clarity and transparency, I request the following information : 1. A copy of the original assignment or contract that confirms your authority to collect on this debt.

2. A complete chain of ownership that demonstrates how this debt has been transferred from the original creditor to your agency.

3. A detailed accounting of the debt, including the original amount, any fees or interest added, and the total amount currently being claimed. 

Furthermore, I want to bring to your attention that I am currently being harassed by your agency and other collection agencies regarding this debt. This has caused me significant distress and is unacceptable. Therefore, I request that you immediately cease and desist from all further communication with me concerning this debt until you provide the requested validation. 

Please be aware that I am keeping a record of all communications related to this matter. If you fail to provide the requested documentation within 30 days of receipt of this letter, I expect you to discontinue all collection efforts regarding this debt and update my records accordingly. 

I appreciate your prompt attention to this serious matter. I look forward to receiving the requested information so we can resolve this situation amicably. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CAR LOAN IS NOT SHOWING ON MY CREDIT REPORTS PLEASE UPDATE MY INFORMATION THANKS
Product: Credit card or prepaid card

okay so i got out of prison XXXX XXXX i had my cousin submit my unemployment benefits for me well he took my money ad the card was not under my name it was under XXXX XXXX my name is XXXX XXXX now im having trouble getting my money it has over XXXX $ i cant use i tried everything they wont give me my money
Product: Debt collection

I had a corporate XXXX XXXX card issued to me by my former employer XXXX XXXX XXXX. I resigned from the company in XXXX 2014. I turned in the card on my last day and did not have any access to it after that. A charge was made on the card in XXXX 2014 that I did not make, and that I did not authorize. This has now gone to collections. I have tried to dispute it with XXXX XXXX but they refuse to assist since the debt has already gone to collections. This debt is not mine and the collections agency continues to harass me every day including calling my place of employment.
Product: Mortgage

Wired Funds to Ocwen on XXXX XXXX, funds previously wired credited properly with same information. Credit has been damaged due to Ocwen reporting base on their error. Unwilling to immediately correct situation which blocks my chance of refinancing and rates are going up. This error is now costing me money as rates rise and has lowered my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

The Hard inquires attached to the documents are unauthorized and have been furnished to my consumer reports. I have files a report with the FTC and have a identity thief report generated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management and XXXX XXXX  have re-added to my XX/XX/XXXX XXXX and XXXX credit report after removing the credit line due to fraud in XX/XX/XXXX when I supplied police report and documentation in XX/XX/XXXX. My score dropped over a XXXX points and Ive disputed this again but every XXXX or XXXX  years they sell my information from this XXXX and XXXX accounts and re-add it to my credit reports after Ive supplied proof of these accounts not being mines but fraudulent accounts repeatedly.
Product: Debt collection

Yet again, Resurgent Capital Services have failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged accounts, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copies of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete, and represents a very serious error in your reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1681. 
XXXX XXXX XXXX  account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX  XXXX XXXX  account # XXXX These accounts 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I filed a dispute with, XXXX and Transunion credit bureau about the unverified account XXXX XXXX XXXXAccount number XXXX. In those 2 months I have asked numerous times for a response. I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Product: Credit reporting or other personal consumer reports

LexisNexis has continuously refused to provide my consumer disclosure report, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

I have made numerous attempts over several months to obtain my full consumer disclosure report, which I am entitled to under 15 U.S.C. 1681g ( FCRA 609 ).

Despite submitting all required identity verification documentsincluding : A government-issued drivers license My Social Security card A recent utility bill ( proof of address ) LexisNexis has repeatedly denied my request without justification.

Documented Attempts to Obtain My Consumer Report : Multiple phone calls, where representatives failed to provide valid reasons for rejection. 
Portal uploads of my documents, which were rejected without explanation. 
Email requests, including a formal demand letter sent on XX/XX/year>, that was copied to CFPB and the Louisiana Attorney Generals Office.

LexisNexis written response once again refused to provide my report despite my compliance with all legal requirements.

LexisNexis is Knowingly Violating Federal Law Under 15 U.S.C. 1681g, I have a clear legal right to receive my consumer report. LexisNexis continued refusal constitutes a blatant violation of the FCRA and a deliberate obstruction of consumer rights. Their actions prevent me from reviewing and disputing potential inaccuracies in my consumer file, causing financial harm. 
Relief Requested : I demand that the CFPB : 1. Compel LexisNexis to immediately provide my consumer disclosure report.

2. Investigate LexisNexis for willful FCRA violations.

3. Hold LexisNexis accountable for their ongoing obstruction of consumer rights. 

LexisNexis has no legal basis for refusing my request, and they must be held responsible for their unlawful conduct. I request urgent CFPB intervention to resolve this matter.
Product: Credit reporting or other personal consumer reports

Ive submitted multiple credit disputes to have my former XXXX account marked as closed on my credit report. XXXX responded each time by saying the information is correct. 

It is impossible for it to be correct because my credit report reflects XXXX active loan companies. XXXX with a balance of {$140000.00} and XXXX with a balance of XXXX. This information is inaccurate because I only have XXXX active loan with XXXX. The additional {$140000.00} on my credit report gives the appearance that I am in debt with student loans for {$280000.00} which is incorrect. This error is significantly reducing my credit profile and making it difficult for me to get approved for a home mortgage.