vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

XXXX. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX - Balance : {$1200.00} - Account # : XXXXXXXX XXXX  XXXX - Balance : {$2000.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1000.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1300.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$19000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX 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, XXXXXXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-05-31 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

XXXX. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX - Balance : {$1200.00} - Account # : XXXXXXXX XXXX  XXXX - Balance : {$2000.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1000.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1300.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$19000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX 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, XXXXXXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX High Balance : {$560.00} Date Opened:11/19/2020, XXXX XXXX XXXX High Balance : {$200.00} Date Opened:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3000.00} Date Opened:XXXX XXXX XXXX XXXXXXXX High Balance : {$420.00} Date OpenedXXXX, XXXX XXXX Account # XXXX High Balance : {$200.00} Date Opened : XX/XX/XXXX, XXXX XXXX  XXXX Account # XXXX High Balance : {$680.00} Date Opened : XX/XX/XXXX, XXXX Account # XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX  Account # XXXX High Balance : {$9600.00} Date Opened : XX/XX/XXXX, DPT EDXXXX Account # XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX, DPT EDXXXX Account # XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX High Balance : {$35000.00} Date Opened : XX/XX/XXXX, XXXX  XXXX Account # XXXXXXXX XXXX XXXX High Balance : {$450.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX Account # XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXXAccount # XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXXE Account # XXXX High Balance {$2000.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXXAccount # XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXXAccount # XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX Account # XXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX Account # XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX Account # XXXX High Balance : {$7000.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  Account # XXXX High Balance : {$5500.00} Date Opened : XX/XX/XXXX, XXXX  XXXX Account # XXXX XXXX XXXX  High Balance : {$230.00} Date Opened : XX/XX/XXXX, XXXX  XXXX XXXX High Balance : {$560.00} Date Opened:XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX  High Balance : {$470.00} Date Opened : XX/XX/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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit file, associated with [ Creditor/Collection Agency Name ], under the account number [ Account Number ]. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. I specifically dispute the [ mention specific aspect you dispute, e.g., amount owed, accuracy of the dates, or lack of proper notice ].

Demand for Action : I demand that [ Credit Bureau Name ] immediately investigate this dispute and remove the inaccurate and invalid collection account from my credit report. Failure to do so within [ Number ] business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies.

Supporting Documentation ( if applicable ) : [ List any supporting documentation you are providing, e.g., " Copies of relevant correspondence, '' " Documentation of payment attempts, '' " Proof of lack of notice '' ] Sincerely, Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA
State: FL

Complaint narrative:
Re : Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit file, associated with [ Creditor/Collection Agency Name ], under the account number [ Account Number ]. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. I specifically dispute the [ mention specific aspect you dispute, e.g., amount owed, accuracy of the dates, or lack of proper notice ].

Demand for Action : I demand that [ Credit Bureau Name ] immediately investigate this dispute and remove the inaccurate and invalid collection account from my credit report. Failure to do so within [ Number ] business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies.

Supporting Documentation ( if applicable ) : [ List any supporting documentation you are providing, e.g., " Copies of relevant correspondence, '' " Documentation of payment attempts, '' " Proof of lack of notice '' ] Sincerely, Account Name : AES Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to access information on my Equifax credit report : Unfortunately, i have yet to receive access to my credit report. This is hindering me and affecting my personal life causing health issues. I do not like that my request is being ignored. Your agency has already went through a lawsuit about a sham investigation. The letter attached is my original request to access my credit report. To this day I can not access my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
After XXXX XXXX  last year, I had some littleleakage in my house noticed it was from vandalism through my roof there snails in the valley nails where they shouldnt be on my roof and adult flat part over the porch was leaking in the porch so I repaired that try to repair the ones in the valley and I got behind in my payments about XXXX at the time I called SNservice CorpXXXX and asked for the insurance information several times and never sent me anything then they had someone come out and then they submitted it and they said it was some of the stuff was old and some of the stuff was unlevel. Its a roof. I dont know what they were talking about. I dont think they ever had insurance company. They just kept the money I was paying every month. It was XXXX something a year hire some company come out and look and just deny it like they did something. Im XXXX XXXX XXXX  I cant do like I used to. I feel like Ive been taking advantage of. I got XXXX behind like they would accept any payments anymore so now Im XXXX and I have eternity space and my house is in foreclosure XXXX  XXXX who I had before didnt make my payments and I lost XXXX XXXX was only XXXX a year they never got me reinstated. Hud helped me get some money back, but they never got me reinstated like they were supposed to do for lol so I got screwed over then they sold it and gave it to SN Ive been behind before two years ago was behind {$6000.00} and got caught up real quick this time they wouldnt help me no more they wouldnt give me any bricks whatsoever so now Im in foreclosure. XXXX trying to go through XXXX & XXXX XXXX XXXX. I can get some kind of money for my house and move on and theyre pulling a fast and all these people coming through here and they dont even know what company theyre with given them information to flip my house, so I told him I would do business with them anymore. I have a realtor and I just recently got an attorney to help me, but theyre pulling this crazy stuff. Im afraid of a bad situation if you can help me I greatly appreciate it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Nationwide Capital Services, LLC
State: MO

Complaint narrative:
They said I either pay the full balance or they will proceed with garnishment. Refuse to help me even tho I told me I didn't have it and I'll try to ask someone for help

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 2025-05-31 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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