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

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft from a corporate security breach. This information does not relate to [ transactions that I have made or accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.I have tried through written correspondence, yet Experian has ignored my disputes The acounts are as follows : 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

Three months ago I reported to XXXX XXXX XXXX  there are two properties, one in XXXX  and one in XXXX, listed as mine are not. I was told they were removed. I began to receive notices from LexisNexis. Today I received a report from Lexis Nexis indicating they removed a home I owned in XXXX XXXX  and as well as my mothers address in XXXX XXXX XXXX. where I lived when taking care of her. ( case # XXXX ) In addition, they indicated that NONE OF MY XXXX XXXX  WERE VERIFIED! I XXXX  XXXX for forty three years!! I am XXXX  but I will not allow my professional background to be in question. In a letter Lexis Nexis took away my profession and homes. How can a company with so much power make such horrifying inaccurate mistakes?!! God only knows what they have done with my credit rating. Please help me with this ASAP!
Product: Credit reporting or other personal consumer reports

I have called, sent letters, tried online to fix since XXXX  and have not had any luck. There is a " extended fraud alert '' on my credit report. I have sent multiple letters with information to verify my identity and they send letters back and ask what kind of alert i am wanting to replace. It seems like no one can read a letter clearly or remove the report from my credit. I have been denied auto loans, mortgages and other due to other companies not being able to verify the alert.
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved.
Product: Debt collection

XXXX XXXX XXXX in XXXX Missouri has a permission to treat and permission to bill insurance company documentation they ask you to sign each time you incur services. The persons that have you sign the documentation orally state " This is your consent to treatment for what we are doing for you today, and a consent to bill your insurance if you have active insurance '' and then ask you to date and sign. What they DO NOT disclose is you are signing an agreement to change of venue to XXXX County Missouri if your account goes into arrears. In Missouri you have to be sued in the county of your residence, not the county where the services occurred. This is a cost savings measure for XXXX that causes increased cost for the consumers being sued I believe as a stratagem to bypass truth in lending rules and their obligation to orally inform the recipient what exactly they are signing. Since I know that healthcare entities are treated as consumer loan agencies by the Red Flag Warning Laws, I suspect they are also then mandated to follow truth in lending laws. This company has gotten into trouble many times in the past with unscrupulous collection practices, and I believe closed their internal collection agency due to legal complaints. I have also been sued by them for dollars they should have collected from a contracted insurance company and by that contract if they through their own neglect did not submit the claim must adjust it off but have no resources to battle them. They are a very high volume healthcare company with extremely aggressive collection lawyers, Lowther and Johnson of XXXX Missouri whom I have had great difficulty working with, as they do not follow through and illegally garnisheed my bank account AFTER coming to a payment agreement with me. When I tried to renegotiate the payment due to loss of wages due to illness ( I am self employeed and work as a consultant under contract ) they then are trying to garnishee my contract wages instead. I was told by Lowther and Johnson that I could NOT directly contact Cox Health about their garnishment action and they would not do anything until the garnishement runs out unless I could pay the debt in full ( Part of which is the ER visit they never billed to my insurer ). If the change of venue is not legally binding XXXX XXXX and their collection Lawyers Lowther and Johnson might loosen up and rethink their aggressive stance. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : XXXX. This is a duplicate account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information.
Product: Credit reporting

I found on my TransUnion Credit Report hard inquiries that I did not authorize. I contacted TransUnion to remove these from my report and they refuse stating that the inquiries are a factual record. I have tried several times to get these removed since I did not authorize but TransUnion continues to remove. These inquiries are from XXXX, XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX BANK AND XXXX BANK 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 XXXX XXXX XXXX. 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 in XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

Ive got a copy of my credit report and these addresses below, are inaccurate. Ive tried to get these addresses updated or removed from my report for months, but it seems like that, theres no way I could get that done ; due to the fact that, agents wouldnt take my word for it. Id like these addresses to be removed immediately, I have the right to privacy and accurate report. 

Once you have deleted inaccurate addresses from my report, please send me a copy of my updated report. 

I am filling this consumer complaint and consumer check for compliance of these particular items that are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state ID and a bill to validate my identity. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX
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 with XXXX 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. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 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.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXXXXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : XXXX not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

CAPITAL ONE XX/XX/XXXX CAPITAL ONE XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX, V XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$650.00} XXXX XXXX XXXX in Dispute : 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

My sister went into a Navy Federal Credit Union XXXX in XXXX Ohio XXXX the staff was very rude and unprofessional.She was told there was a fraud alert on her account she went in the branch to prove we are sisters. I faxed my birth certificate to XXXX while she was in the office the receptionist confirmed it was received. And on the telephone she was told that her marriage license could be used as verification as long as our parents names were on it. I was born before our parents were married and my birth certificate only had our moms name on it but she also had my moms obituary proving we are siblings. We understood the policies and did not mind complying with them but feel she was treated unfairly. I am filing this complaint due to the nature of her experience in the branch..
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequest customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my accound vulnurable and unproteced. Furthermore, their dispute resolution process was unfair and desceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused financial loss, and I seek appropriate redress for these violations
Product: Debt collection

Chase has closed my account with out properly notifying me while I was making on time payments. During the pandemic the government advise we stay indoors the unemployment I received wasnt enough to pay my housing cost
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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

The accounts listed are not mine, nor did I authorize these companies to run my credit. Please remove them immediately. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian erased my address accidentally. The notes in their files show they removed the address accidentally yet they have failed to resolve it. Every agent switches me to another person who tells me they made a mistake yet they cant fix it. They have asked me to upload my information YET the portal doesnt work!!!! Their actions are causing me financial harm as I am unable to get up to date Fico scores, file disputes or view my account
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX XXXX : {$480.00XXXX XXXX XXXXXXXX XXXX XXXX : {$140.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I was contacted by CBE group regarding a balance due to XXXX from XXXX. I informed the representative I never had service with XXXX  since XXXX. I was told I still need to pay the balance. I repeated the balance was not mines and was given telephone number XXXX ( XXXXXXXX fraud  protection ) to call. I called spoke with XXXX who asked if anyone else resided in my home. I stated my son lived with me and she automatically said that he used my information and I must file a police report and XXXX him. I informed her that I already spoke with my son and he never used my info. She was extremely sarcastic and not helpful. I asked to speak a XXXX and was told that I was not able to, and was given XXXXXXXX XXXX who refused to transfer me to a XXXX. I should not be responsible for a balance not owed!!!!!!
Product: Credit reporting or other personal consumer reports

instead of true is being proactive and Im telling them that my account was breach provided them as I uploaded in this portal my FTC report and letter they are requesting that I get documentation which I gave them that I reported fraud online they wanted a letter on letterhead. I told them that I went into the branch and they told me that the information on my account should suffice. No one will write me a letter. I asked them for proof that I did not pay because money was missing approximately {$2300.00} from my account that month and I saw the payment go through the reverse .but no one at XXXX XXXX XXXX could provide any information as well. hence Bank has caught all fraudulent checks and pay all correct payments but Truist refuses to accept responsibility for bringing out my credit report XXXXXXXX XXXX  in addition to me never having a late payment on my credit report before but putting one on there when they put the XX/XX/year> report said they can not provide me with information that I didnt or did call up and pay. It was my responsibility to prove that I have fraud and I have done and exhausted at all measures.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2025 Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccurate and outdated information that remains on my Equifax credit report despite my previous dispute attempts. My experience reflects many of the same issues outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Equifax, which accused the company of failing to properly investigate disputes, reporting inaccurate information, and violating consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Despite my prior disputes, Equifax has failed to correct these inaccuracies, which directly violates the FCRA. The CFPBs lawsuit highlights Equifaxs pattern of failing to conduct reasonable investigations, mishandling consumer disputes, and allowing inaccurate information to persistcausing harm to consumers like me. Given these legal violations, I demand that Equifax take the following corrective actions immediately : 1. Conduct a thorough and fair investigation into my dispute as required by the FCRA.

2. Provide documentation verifying the accuracy of the disputed information.

3. Remove or correct any unverifiable, inaccurate, or outdated information from my credit report.

4. Provide me with an updated copy of my credit report reflecting these corrections.

I have attached supporting documents, including copies of previous dispute attempts, my credit report, and any relevant correspondence. If Equifax fails to take appropriate action within the 30-day period required by law, I will escalate this matter by filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ) , and state regulators, as well as seeking legal remedies if necessary. 

Please confirm in writing that these errors have been resolved. 

Sincerely, XXXX XXXX
Product: Debt collection

I recently checked my credit file and identified that the debt collector is now reporting the account in question in an attempt to collect the alleged debt. I have never received any initial communication from their office regarding the alleged debt or their attempt to collect on it. I also spoke with their agent, XXXX XXXX, today and advised her that I dispute the validity of this debt and the personal information associated with me in their files. She advised that she sees insurance was involved and I advised her that the address she has on file is not valid and I do not know how they received that address associated with me but she still refused to remove it from my credit file to properly provide notification of debt, allow time to conduct a thorough investigation, and allow the opportunity to dispute and request legal verification. I am unaware of and dispute this alleged debt. Therefore, please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried several times to place a security freeze online with TransUnion and to get my free credit score, however, the online site is usually unavailable or my information doesn't match the inaccurate information in my credit file. 

This is another gross manipulation by Trans union in deterring how they choose to govern consumers credit file, which violates my fcra rights. 

You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit ....

You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Product: Student loan

The student loan servicer Navient placed a remark on all XXXX of my credit bureau reports that my student loans are in deferment. This remark dropped by XXXX score XXXX points and my XXXX score XXXX points. This is the first time ever seeing this remark placed on any of my student loans.