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

Demand statutory compensation of {$1000.00} and deletion of accounts on my consumer report file. Equifax has violated 15usc1681c2 Information resulting from identity theft Consumer agency shall block any alleged information from identity theft within 4 businesses days Equifax has failed to do so therefore I am requesting statutory compensation of {$1000.00} and deletion of the following accounts on my consumer report file XXXX XXXX Accounts XXXX Open XX/XX/XXXX XXXX XXXX XXXX Accounts XXXX Open XX/XX/XXXXXXXX XXXX XXXX  Accounts XXXX Open XX/XX/XXXX in collection XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please see attached documents 

I GOT A COPY OF MY CONSUMER REPORT AND DID NOT RECOGNIZE SOME ITEMS BEING REPORTED I DEMAND U DELETE THEM ALL IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a fraudulent account that has been inaccurately reported on my credit report. I am a victim of identity theft, and this account does not belong to me. Despite my attempts to resolve this issue with the creditor, they still have not taken appropriate action to remove the incorrect information from my credit report. Below are the details of the disputed account : Creditor Name : XXXX XXXX XXXX XXXX : {$5900.00} I have included the following supporting documents to substantiate my claim : Federal Trade Commission Identity theft report, XXXX police department report, credit report with the incorrect fraudulent information highlighted in yellow and proof of my identity, Copy of section 605B of the Fair Credit Reporting Act and Copy of CFPBs Notice to Furnishers of Information.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the inaccurate account information is removed from my credit report promptly pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) and section 605B of the Fair Credit Reporting Act. Thank you for your assistance.
Product: Credit reporting, credit repair services, 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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was past due on an account. I spoke to the company and got a deferment due to being affected by covid. I was told that no negative reporting would happen during the deferment period. After have some conversations with one of my credit card companys I checked my credit report to find that the account was noted past due during the deferment period. I disputed it and the company refused to change the reporting saying it was accurate. I spoke to the company them selves they refused to change it because it was past due before going into deferment. I explained that I was told by the person I spoke to that it would not be reported negative during the deferment and they said but you were past due before deferment so we are not changing it. I feel this is unfair reporting as I was in a deferment period and told that there would be no negative reporting to the credit bureaus during this time yet here we are they reported negatively to the credit bureau during this time. The company is refusing to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items 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. 
XXXXXXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number XXXX XXXX ; XXXX  XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX ( XXXX  Account Number : XXXX ; XXXX XXXX  XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX  XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; 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 XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with transunion and XXXX  1 XXXX  I cant lock my credit file because XXXX  says they cant match my account with my personal information. I go though verification every time I log in and its starting to get old especially when Im paying for there services. This has happened on several sites that has XXXX  on there apps they need to fix it and you cant reach anyone they dont answer phones or the automatic machine act like they cant under stand anything. 

2 Transunion they are the worst of them all.. every transunion site I have is horrible I can login and check something and log out and then it tells me my password or user name is wrong when I just logged out and then to reset it you have to wait a day for the system to email you to reset it. Ive called them too many times and can never reach anyone I have 8 numbers for them and its all the same you never get a human. I am a victim of identity and I cant even lock my reports because they say I have to wait until a dispute is completed which has been about a month now. There helping people access my profile by not allowing me to lock my report. Then when someone sues them which Im in the process of doing they wan na act like its not there problem. Im paying for 3 of there sites and there all the same. I cant even cancel my accounts due to me having log in issues if someone can help me just get rid of all my memberships with the credit bureaus would be a big help because Im wasting my money and time trying to keep my identity protected I might aswell post my personal information everywhere online for that matter since there is no protection with these sites and apps.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion 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, Transunion '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 the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion '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 Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX ) ( Open XXXX XXXX ( COLLECTION )
Product: Credit card

I want to know why I can not be refunded my late fee? 

I have been a Chase business customer for XXXX years. I missed XXXX payments in 2024 ( becuase life happens ). I was never delinquent, and paid with days of the missed payment. 

In XXXX, I missed a payment, paid right away and was granted a refund of my Late Fee for {$39.00}. 

In XXXX, I missed a payment, paid right away in full ( over {$10000.00} ) and was NOT granted a refund of the Late Fee charge on my account for {$39.00}. 

Why not this time again? 

I submitted a complaint to Chase as well this evening and was given the Complaint # XXXX. 

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

The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX XX/XX/2020 and XXXX XXXX XXXX, XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report six fraudulent accounts appearing on my consumer credit report ( s ), which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, another credit card account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. Also two personal loans accounts opened at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and another account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX **** These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX  and US Department of Education, yet they are not removing this fraudulent accounts. XXXX XXXX  and US Department of Education have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The following is the fraudulent account : XXXX XXXX, U S DEPT OF EDXXXX XXXX Date opened XX/XX/2020 Balance {$780.00} and U S DEPT OF EDXXXX XXXX Date opened XX/XX/2020 Balance {$460.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am writing to formally request your immediate attention to incorrect late payment information reported on my credit file for myXX/XX/XXXXXXXX account ( Account # XXXX ) **. Despite submitting two previous dispute requests on XX/XX/XXXX, and XX/XX/XXXX, these inaccuracies remain unresolved. This negligence violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), and has caused significant harm to my creditworthiness. Summary of Discrepancies and Errors : 1. Inaccurate Late Payment History : TransUnion : Reports a 30-day late payment for XX/XX/XXXX ( incorrect ). 
Experian : Reports a 30-day late payment for XX/XX/XXXX ( incorrect ). 
Equifax : Reports a 30-day late payment for XX/XX/XXXX ( incorrect ). 2. Inconsistent Account Details : High Balance : TransUnion and Experian : {$1500.00} Equifax : {$1500.00} Credit Limit : TransUnion and Experian : {$1500.00} Equifax : {$0.00} Reporting Dates : Last Verified : TransUnion : XX/XX/XXXX Experian : Not provided Equifax : Not provided Date of Last Activity : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Legal Violations : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i requires credit reporting agencies to conduct a reasonable reinvestigation and ensure the accuracy of information when disputed. The continued reporting of inaccurate late payments reflects a clear failure to meet this obligation. 15 U.S. Code 1681e ( b ) mandates that credit reporting agencies maintain the maximum accuracy of consumer information, which has not been upheld in my case. 2. Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b requires creditors to issue periodic billing statements at least 21 days before the due date. The inaccurate late payment reporting indicates a failure to meet this requirement, as no such notification was provided. 3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act requires creditors to provide accurate and timely statements to prevent unfair penalties to consumers. The inaccuracies in my credit report directly contradict this obligation. Requested Resolution : I formally request the following actions to resolve this issue : 1. Immediate removal of the incorrect late payment notations for XX/XX/XXXX ( TransUnion and Experian ) and XX/XX/XXXX ( Equifax ) from my credit report. 2. Correction of discrepancies in account details, including high balance, credit limit, and reporting dates. 3. Written confirmation that these corrections have been made. If these inaccuracies are not resolved promptly, I am prepared to escalate this complaint, including filing additional complaints with regulatory agencies such as the CFPB, FTC, and state attorney generals office. Legal action to ensure compliance with federal laws will also be considered.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of these corrections within the next 15 business days. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 Franklin Collection Agency of XXXX, XXXX reported to XXXX and XXXX credit bureaus that there was a balance of {$630.00} owed to them. Original creditor purported to be XXXX XXXX XXXX. I called their number ( XXXX ) XXXX appearing on website and was unable to speak with a representative due to their automated system. I left my information on their system following all prompts and instructions. This was done two weeks ago. The message said they would have a representative reach out to me but they have not contacted me in any way. I do not have an account with XXXX and have not had any services from XXXX for approximately 5 years. I have not been contacted by XXXX and have not been contacted by Franklin Collection Agency although they continue to report that I have a past due balance to the credit bureaus.
Product: Vehicle loan or lease

Follow-up complaint ( See Prior Complaint ID XXXX - filed to stop harassing calls/billing for items that were covered/paid by insurance and Kia dealership " loyalty payment for buying another Kia to cover end of lease fee '' ). I requested as part of the resolution that I receive in writing confirmation of a final statement reflecting both payments from the insurance and Kia dealer and showing the XXXX balance so I have it for my records. Kia only responded to the consumerfinance.gov online complaint indicating that all has been resolved. I have patiently waited for over 4 months for any correspondence to myself confirming the matter is resolved. As of today 's date, I still have not received confirmation in writing, which was requested in the original complaint as part of the resolution that the matter is truly resolved. Having received no correspondence from Kia, I do not consider the matter closed and will continue to issue complaints for assistance until I have proof in my hands.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent information being reported regarding XXXX on my credit report. Specifically, I am referring to the payment history for the months of XX/XX/XXXX through XX/XX/XXXX The payment history is incorrect and inconsistent across the months in question. My credit report shows the following : XX/XX/XXXX : Reported as 30 days late XX/XX/XXXX : Reported as 60 days late XX/XX/XXXX : Reported as 90 days late XX/XX/XXXX : Reported as 120 days late XX/XX/XXXX : Reported as 120 days late again 1.Account name : XXXX XXXX XXXX Balance {$0.00} Original balance {$2900.00} This reporting is inconsistent and fails to align with my actual payment history for those months. The errors in reporting have had a direct and negative impact on my credit score, and I am demanding that this inaccurate information be investigated and corrected. 
Furthermore, I am aware of ongoing legal action against XXXX for its failure to properly investigate and address disputes. As you are aware, under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to investigate any dispute promptly and accurately. XXXX has failed to fulfill its duties in past investigations and as such, I believe your company may also be in violation of these regulations by continuing to report inaccurate information without proper investigation In light of this, I demand that you immediately remove this account from my credit report due to the inaccurate and inconsistent reporting. Under the FCRA, you are obligated to ensure that all information on my credit report is accurate, and you are not allowed to report misleading. 
If this matter is not resolved satisfactorily, I will not hesitate to take further action, including seeking legal remedies for the violation of my rights under the FCRA. 
Please confirm in writing that this account has been deleted I look forward to your prompt attention to this matter. Thank you for your cooperation in ensuring that my credit report accurately reflects my payment history.
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.