vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It XXXX Concern, I'm writing to you directly no tXXXX-party company is involved so please dont respond with a stall letter or a generic reply. This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
XXXX XXXX XXXX ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

In addition, DELETE all non-account holding inquiries over XXXX  days old. Also, please add a promotional suppression to my credit file. 

I demand that the following account be validated or DELETED immediately : XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: January Technologies, Inc
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint due to XXXX XXXX willful and ongoing violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX reporting standards, and their failure to honor my previously-elected binding arbitration clause. 

The account in question with XXXX continues to be reported by XXXX  as charged-off with a {$950.00} balance to XXXX XXXX XXXX XXXX, even though XXXX confirmed in writing that the debt was sold to January Technologies on XX/XX/year>. 

Since then, I have been contacted by TWO separate third-party collectors January Technologies and XXXX regarding the same debt. Despite this, XXXX continues to report the debt as if its still owned and collectable by them. 

Under FCRA 623 ( a ) ( 5 ) and XXXX guidelines, once a debt is sold : The creditor must report a {$0.00} balance The account status must be updated to sold or transferred No further late payments or charge-offs should be reported XXXX  failure to do any of the above is a clear violation of FCRA 1681s2 ( a ), 1681s2 ( b ), and 623 and is misleading and harmful to my credit. 

Additionally, XXXX ignored my binding arbitration election under Section 32 of the loan agreement, which should have immediately halted all collections and reporting. Their continued furnishing of data after that point compounds their FCRA violations. 

I am attaching : Screenshots from January Technologies and XXXX XXXX attempts XXXX XXXX XXXXr transcript ( XXXX XXXX XXXX  ) admitting the debt was sold, yet affirming ongoing charge-off reporting Credit report screenshots from XXXX XXXX XXXX XXXX  showing the same {$950.00} tradeline My ID and proof of address ( optional but available ) This is not a clerical mistake ; it is a systemic, legally actionable violation that continues to damage my creditworthiness and financial opportunities. 

I am requesting : 1. Immediate deletion of the XXXX tradeline from XXXX XXXX XXXX XXXX  XXXX. A thorough investigation into XXXX pattern of false reporting and XXXX XXXX failures XXXX. Written confirmation that XXXX has permanently ceased furnishing this account to all bureaus If this is not resolved promptly, I will : File formal complaints with the FTC and California Department of Financial Protection and Innovation Initiate binding arbitration with the XXXX  under XXXX own contract Pursue legal remedies for FCRA violations and emotional distress damages, including recovery under 1681s2 ( b ) Thank you for your prompt attention to this serious matter. 



Requested Resolution : Immediate deletion of the XXXX tradeline from XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint due to XXXX XXXX willful and ongoing violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX reporting standards, and their failure to honor my previously-elected binding arbitration clause. 

The account in question with XXXX  continues to be reported by XXXX as charged-off with a {$950.00} balance to XXXX XXXX XXXX XXXX XXXX though XXXX  confirmed in writing that the debt was sold to XXXX XXXX on XX/XX/year>. 

Since then, I have been contacted by TWO separate third-party collectors XXXX XXXX and TrueAccord regarding the same debt. Despite this, XXXX continues to report the debt as if its still owned and collectable by them.

Under FCRA 623 ( a ) ( 5 ) and XXXX guidelines, once a debt is sold : The creditor must report a {$0.00} balance The account status must be updated to sold or transferred No further late payments or charge-offs should be reported XXXX failure to do any of the above is a clear violation of FCRA XXXX681s2 ( a ), 1681s2 ( b ), and 623 and is misleading and harmful to my credit. 

Additionally, XXXX ignored my binding arbitration election under Section 32 of the loan agreement, which should have immediately halted all collections and reporting. Their continued furnishing of data after that point compounds their FCRA violations. 

I am attaching : Screenshots from XXXXXXXX XXXX  and TrueAccord collection attempts XXXX XXXX XXXX transcript ( XXXX XXXX XXXX XXXX admitting the debt was sold, yet affirming ongoing charge-off reporting Credit report screenshots from XXXX XXXX XXXX XXXX showing thXXXX same {$950.00} tradeline My ID and proof of address ( optional but available ) This is not a clerical mistake ; it is a systemic, legally actionable violation that continues to damage my creditworthiness and financial opportunities. 

I am requesting : 1. Immediate deletion of the XXXX tradeline from XXXX XXXX XXXX XXXX XXXX. A thorough investigation into XXXX pattern of false reporting and XXXX XXXX failures 3. Written confirmation that XXXX has permanently ceased furnishing this account to all bureaus If this is not resolved promptly, I will : File formal complaints with the FTC and California Department of Financial Protection and Innovation Initiate binding arbitration with the XXXX under XXXXXXXX own contract Pursue legal remedies for FCRA violations and emotional distress damages, including recovery under 1681s2 ( b ) Thank you for your prompt attention to this serious matter. 



Requested Resolution : Immediate deletion of the XXXX tradeline from ExpXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting FCRA Violations To Whom It May Concern, This letter is a formal dispute and complaint regarding XXXX accounts reported on my credit file that appear inaccurate, incomplete, or unverifiable. This information may be inconsistent or not properly validated. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Experian and the data furnishers conduct a legally compliant reinvestigation and take appropriate corrective action. Legal Violations Involved : - XXXX XXXX. XXXX ( a ) Prohibits the reporting of known inaccurate or incomplete data by furnishers. - XXXX U.S.C. XXXX ( b ) Requires a full, fair, and reasonable investigation after receiving a dispute. - XXXX U.S.C. XXXX Requires the credit bureau to reinvestigate disputed items within XXXX days. - XXXX U.S.C. XXXX Requires blocking and deletion of information resulting from identity theft upon submission of appropriate documentation. Disputed Accounts : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX N.A. ) - Account # : XXXX * * * * - Status : Collection/Chargeoff - Balance : {$370.00} - Date Opened : XX/XX/XXXX - Last Reported : XX/XX/XXXX - Comment : Account information disputed by consumer, meets FCRA requirements XXXX. XXXX XXXX XXXX ( Original Creditor : Associated Emergency XXXX  ) - Account # : XXXX * * - Status : Collection/Chargeoff - Balance : {$880.00} - Date Opened : XX/XX/XXXX - Last Reported : XX/XX/XXXX - Comment : Account information disputed by consumer, meets FCRA requirements XXXX Requested : - Conduct a full and reasonable reinvestigation under XXXX and XXXX ( b ) - If either account is unverifiable, delete it from my report - Correct any inconsistent, outdated, or misleading data- If identity theft or fraud is suspected ( pending police report ), initiate block and delete under XXXX - Provide a detailed written response with the results of the investigation Enclosures : - Copy of my ID - Proof of current address - Copies of both credit entries Please note that failure to resolve these issues in accordance with the law has already caused significant harm to my quality of life. A fair and just resolution at this point is the immediate and permanent deletion of this inaccurate information from my credit file and all associated records and systems, as permitted under the FCRA. I expect to receive a written response and confirmation of deletion within the statutory XXXX window. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2025 with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX 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 on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX - XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX EQUIFAX Request for Removal of Unauthorized/Inaccurate Credit Inquiries Dear Credit Bureaus I am writing to formally request the removal of certain credit inquiries from my credit report. Upon reviewing my credit report, I noticed the following inquiry/inquiries that I believe to be unauthorized or inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, nor do I have any current or past relationship with the companies listed. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and subsequently removed from my credit file. I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). Please find attached a copy of my credit report with the inquiries highlighted, as well as a copy of my identification for verification purposes. I would appreciate your prompt attention to this matter and request confirmation once the inquiries have been removed. Should you need further information or documentation, feel free to contact me directly at XXXX or XXXX. Thank you for your assistance. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Blockchain.com, Inc.
State: CA

Complaint narrative:
I withdrew XXXX dollars in XXXX to an external address. It has been held for a manual review for over a week without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: GA

Complaint narrative:
On XX/XX/year> the company states I opened an account with them and this is false. The amount is {$960.00}. I disputed the account requesting they send me a contract or something in writing. I have not received anything. I have disputed this account twice. 
I am filing a formal dispute regarding a collection account that has been reported in my name, which I did not authorize or open. I believe this account is fraudulent and may be a result of identity theft or an error in reporting.I was not in the state of Florida at the time this account was open. 

The account in question is being reported by XXXX XXXX and references an account allegedly opened with XXXX XXXX XXXX XXXX. I have never opened or authorized any such account, and I have no knowledge of this debt. 

I am requesting the removal of this collection account from my credit file and any associated reporting activities to cease immediately. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any inaccurate or incomplete information on my credit report. 

I have already submitted a dispute to the credit reporting agencies and am requesting that CFPB investigate this matter and ensure the collection agency provides sufficient proof that the debt is valid and mine. If they can not, the account must be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hello I am writing this letter because a notification of an account I not recognize was added to my consumer report. XXXX XXXX XXXX XXXX or XXXX XXXX was opened fraudulently and I asked to be removed. I have never opened accounts with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I reviewed my credit report today to notice Caine & Weiner listed on my transition and other credit reports falsely alleging I owe {$700.00} Ive received no notice from them if any debt. I have no knowledge of who they are. They failed to follow the correct procedure pursuant to the Fair Credit Reporting act prior to putting such derogatory information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: NJ

Complaint narrative:
I reviewed my credit report today to notice L J Ross Associates is listed on my transition and other credit reports falsely alleging I owe {$2900.00}. Ive received no notice from them if any debt. I have no knowledge of who they are. They failed to follow the correct procedure pursuant to the Fair Credit Reporting act prior to putting such derogatory information on my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or XXXX confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief