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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX XX/XX/2025 Experian Information Solutions Inc . 
Dispute Department XXXX XXXX XXXX, XXXX, PA XXXX Re : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FRCA ) 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experianss investigations. Specifically in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer proception laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) for {$200.00}. XXXX XXXX XXXX balance of {$7000.00} C/o XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX ) XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delet any information that can not be verified or is inaccurate as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and purse any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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

XXXX ; XXXX and Transunion are reporting incorrectly the XXXX   XXXX/XXXXMastercard partial account number XXXX on my credit report. ( Please see pages 2 and 3 attached. ) They are reporting a balance on the card that was charged off even though they have sent it to a third party collection agency. This is illegal. I believe that someone fraudulently used my card. I have contacted the bank and they can't give me any information. I previously filed a CFPB against XXXX XXXX/XXXX  Mastercard onXX/XX/2019reporting that this credit card partial account number XXXX - had been used fraudulently. This card does not belong to me and I never opened this card. I have attached the letter from XXXX  of  OHIO   dated XX/XX/2019XXXX Account number XXXX - referencing partial account number XXXX. This letter is simply confirming a balance on this account of {$930.00}. There is no confirmation in this letter that this account belongs to me. This incorrect reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Kay Jewelers is causing an adverse effect on my credit. I would like to have this item removed from my credit report. The account was opened on XX/XX/XXXX and the alleged balance owed is {$250.00}. I personally recall paying off this balance back in XXXX over the phone. It has been over 6 years since this account was opened & it should be removed from my credit expeditiously.
Product: Debt collection

Every day I have multiple phone calls always from different numbers always from Portfolio Recovery. I have documented times and dates. Ive asked them numerous times to quit calling as there is no way I can pay them an hour after there last call. Its caused extreme XXXX  and XXXX hearing from them every day for the past 4-5 months straight. They never stop and it has a damaging effect on my XXXX XXXX. I can not handle this harassment anymore!!!!
Product: Debt collection

this account does not belong to me i have tried to resolve this account with the creditors but have been provided with no help. i have also notified XXXX  of these fraudulent accounts and have asked them to remove these accounts from my credit report which they have done finding the account to have been opened fraudulently
Product: Debt collection

XXXX debt, a old amount that has been paid repeatedly. This is the 3rd time this company has tried to collect on a paid, closed and not active debt.
Product: Debt collection

COLLECTOR KEEPS CALLING ME ON MY CELL ( XXXX ) XXXX OR ( XXXX ) XXXX SKIP TRACING FOR MY MOTHER XXXX XXXX FOR A DEBT. CLIENT XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I am not informed about this, and the company carried out this action without my approval.
Product: Credit reporting or other personal consumer reports

Transunion landlord eviction reporting claims on credit report false and misidentification causing punitive damage and ability to receive housing fairness
Product: Debt collection

I am disputing this collection account because I have no knowledge of the debt and did not authorize it. The account in question appears to be an error or possibly a case of mistaken identity. I request that Cedar Business Services investigate the matter and remove the account from my credit report as it is not mine. 


CEDAR BUSINESS SERVICES Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX XXXX XXXX Date Opened XX/XX/2023 Responsibility Individual Account Account number XXXX Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY High Balance {$1500.00} Original Creditor XXXX Past Due {$0.00} Pay Status >Collection<
Product: Credit card or prepaid card

I checked my credit and saw the Navy federal balance of {$580.00} that's reporting negative from a credit building card to help me since i'm a young student. I would like to pay the balance and reopen the account. I was facing student hardship and was in between jobs. I am young and trying to be a responsible spender but its hard when you have limited job skills because college doesn't teach you skills to get a job you a job during and/or after ; it keeps you unemployed more often than not. In trying to better myself by attending college while i was barely making do, I had to miss meals as well to make sure my light bill and rent was paid, resulting in being delinquent on my credit card. However, I have since gotten a new job with better pay. I want to right my wrongs, and i would like Navy Federal to reconsider and understand. Im sure everyone who is in a deciding position remembers being the hungry student in college trying to make do with your PT job and financial aide. If i don't take care of this now, it will affect me negatively for years and i won't be able to get a job within my major, which was Finance. You can not have bad credit when trying to work in a banking environment. Im also currently enrolled to get my XXXX XXXX XXXX so that i can advance into XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified XXXX XXXX XXXX XXXX
Product: Debt collection

Subject : Complaint Against National Credit Systems for Non-Response to Debt Validation Request Dear CFPB, I am writing to file a formal complaint against National Credit Systems. On XX/XX/XXXX, I sent a debt validation letter via certified mail, which was delivered on XX/XX/XXXX. Despite this, I have not received any response or validation from them. I am enclosing a copy of the certified mail receipt as proof of delivery. 
I request your assistance in resolving this matter and ensuring compliance with the Fair Debt Collection Practices Act. 
Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was never late on accounts listed above, please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete the alleged late payments from my credit report. This is an invalid late payment. The FCRA allows 30 days for this to be rectified.
Product: Checking or savings account

Several years ago I opened an account with Wells Fargo because it gave me access to my paycheck 2 days earlier. 
During that time my ex who was cheating on me was also using my card for everything under the sun except for any purchases that required a PIN number. I brought this up with the bank as soon as I learned of the fraud years after my account had been closed out. I let them know within the 60 days like required by law, and they've quoted me a time frame which they've already gone over. But they figure since they've given me some of my money back in provisional credit that I should be okay with it. I'm tired of getting condescending people on the phone when all I'm trying to do is properly recover the money that was used without my consent. Out of the XXXX and change they've given me {$4000.00} and change. I want the rest of my money right now!
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from Capital One stating I was approved for a Capital One Platinum Secured Master Card. The email advertised that I could build my credit with the Capital One card and that good credit could assist with buying a house, car, or potentially a job. On XX/XX/XXXX I applied for the Capital One credit card, however my application was subsequently denied. The application letter stated insufficient credit history, age of newest bankcard ( s ), credit limit ( s ) are too low, and application could not be verified as the basis for my denial. I am filing a complaint as my consumer rights were violated and I was not provided an Equal Credit Opportunity. This decision has negatively affected my ability to purchase a home for my family.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX Balance : {$480.00} XXXXXXXX XXXX XXXXXXXX Balance : {$480.00}
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX Balance : {$250.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX
Product: Debt collection

I paid this debt in XXXX my verification number is # XXXX Please get them to stop reporting I owe them.
Product: Credit reporting or other personal consumer reports

My XXXX account has been reporting inaccurate information on my report. My loan is listed a XXXX the interest is not included in this amount according to the company. My credit reports from all three credit bureaus have my account as 12 % paid off for the past XXXX years. This information is inaccurate. I've made over 50 % of what's owed on my loan. XXXX is what I've paid so far with a 18.8 % interest rate. The company is stating that the interest is not reflected in the XXXX. The company is currently stating the amount I owe is XXXX. Which equates to almost XXXX in interest. I would not have gotten this loan if I knew that more than half of my payment was going towards interest. This company just paid out a XXXX lawsuit due to this same negligence. How can you not inform a costumer that you'll never be finished paying for your car. I signed a contract for XXXX any traditional loan that would be added on the back end of the loan. This loan is {$8.00} per day. This is illegal. Even the Dept of Justice sued them for {$130.00} XXXX. I would like all three credit reports to be updated, stating either the amount I've paid or the percentage I've paid. I am taking a major hit on my credit due to these inaccuracies. Please help me.
Product: Mortgage

Applied with the lender in XXXX. They didnt start working on the application until XXXX. We finally scheduled the closing and While I was closing signing the legal binding docs, the lender called and said stop signing. I was told the loan could not close. I was told that my uncle who was a co-signer has something come up on XXXX. I was wondering how did this just come up and we were set to close. This was not on my loan approval as an item. Then my dad who is an XXXX  XXXX helped restructured the loan to remove my uncle, payoff debts. We kept my aunt on the loan an got an XXXX accept. So we spent another week trying to get the additional payoffs, documents and was told today that I didnt meant residual. The loan was approved eligible. Why would residual be an issue? My dad was paying all the closing cost so the funds in my account were for residual. My aunt and uncle had liquid reserves as well not to mention his additional $ XXXX to help me with the payment. I feel like they discriminated against me because I am XXXX years old trying to buy my first home. My credit is in the 700 and my income dropped slightly because of CORVID. I dont understand I saved my money and wanted to get my first house instead of renting. I wanted to build wealth but this company gave me the run around to disappoint me from the American dream that from my understanding is not a reason to deny me. They are simply a bad company with no ethics and violated my rights. I signed legal documents!
Product: Debt collection

XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$720.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2012 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

FCRA violations : payments never late XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Open XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1100.00} Status Open XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1000.00} Status Open XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Closed FCRA violations : account not mine XXXX XXXXXXXX XXXX {$1400.00} Date opened XX/XX/XXXX FCRA violations : inquiries not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi there! 

Hope you're doing well! I was looking into some legal stuff and noticed a few things regarding my credit information that I'd like to discuss. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it emphasizes the need to ensure that consumer reporting agencies handle their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

XXXX and XXXX, being consumer reporting agencies, handle my credit info, and as the consumer, I have the right to ensure my private information isn't shared. This right is backed by 15 USC 6801, which states that financial institutions, including furnishers of information to credit agencies, have an obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. 

Now, here 's the deal : 15 USC 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can only furnish a consumer report with the written instructions of the consumer to whom it relates. The furnishers of information to credit agencies ( like financial institutions ) need my consent for this, and they surely don't have my written consent. I'm revoking any and all consent, be it verbal, non-verbal, written, implied, or otherwise. 

Moreover, 15 USC 6802 ( b ) ( c ) states that a financial institution can't disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. However, the furnisher of information to credit agencies never informed me of this right. 

I also noticed that 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse items of information without permission. This account they're reporting seems to be an adverse item they're sharing without my permission, which goes against the law. 

Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) says that a person shouldn't furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX and XXXX, it seems, might be falling short on maintaining reasonable procedures to avoid violations. 

To add to that, 15 U.S. Code 1681e states that every consumer reporting agency should maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to specific purposes. It seems like XXXX and XXXX might not be maintaining these reasonable procedures. 

Last but not least, 12 CFR 1016.7 states that a consumer can exercise the right to opt out at any time. So, just to make it crystaXXXX clear, I'm opting out of your reporting services. 

I appreciate your understanding in sorting this out!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent a notification to the cfpb about a ongoing investigation. Investigation took over 30 days and all they did was put a remark on the illegal collection account. I was balance billed by The XXXX XXXX XXXX and it was sent to XXXX XXXX and reprted to equifax as derogatory. 
Balance billing is illegal in pennsylvania. As i am on the federal XXXX and state XXXX program. Please delte off of credit report under state law if crpb can not be apart of this please refer complaint to the appropriate state or federal authority rather then close the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in to Transunion because I was a victim of their inquiry issue section 6-11 of the fair debt credit report act and they refused to remove the inquiries that were n't mine Which are : XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX and  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

account/names/all not mine filed FTC report : office of the atty gen XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX XXXX XXXX XXXXXXXX address are not mine : XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent account and information I found you report on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. I am in need of you to please rmeove hte following items off of my Credit File : 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} FEB/XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX  XXXX Balance : {$4000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I am submitting this CFPB Complaint to request that you remove the fraudulent accounts and information off of my Credit File.