vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
I am writing to lodge a complaint against Experian regarding its repeated failure to investigate and validate the disputes I have submitted concerning inaccurate and potentially fraudulent accounts on my credit report. Experian has consistently ignored my requests, failed to provide proper validation of the disputed accounts, and issued fraudulent responses claiming that the items in question were investigated and verified when they were not. As a consumer, I have a right under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate or unverifiable information on my credit report and to receive a proper investigation into those disputes. However, Experian has blatantly disregarded these rights by failing to validate the accounts in question or provide me with proof of any legitimate investigation. I have filed multiple disputes with Experian regarding erroneous and unverifiable accounts appearing on my credit report. Despite these formal requests, Experian has failed to conduct any meaningful investigation they just sent " XXXX '' Claims : Each time I have submitted a dispute, Experian has falsely responded that the disputed items were " verified '' without providing any documentation or proof of investigation. Following the data breach, I have reason to believe that fraudulent accounts may have been added to my credit file. Despite multiple requests for verification, Experian has refused to validate the accuracy of these accounts, violating my rights under the FCRA.

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 2025-02-07 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: TX

Complaint narrative:
Please check the information concerning the Equifax data beach below in attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting and Collection Attempts on Time-Barred Debt To Whom It May Concern, I am filing this complaint against XXXX  XXXX and Hayt Hayt & Landau for inaccurate credit reporting and continued collection attempts on a time-barred debt. Despite the legal determination that this debt is no longer enforceable, it remains on my credit report, and the collection agency attempted to secure a judgment against me in court. 

What Happened : 1. I was sued by Hayt Hayt & Landau over an alleged debt related to a charge-off from XXXX XXXX. 
2. The lawsuit was recently reviewed by a judge, who denied their motion to enter judgment, citing the debt as out of time, meaning the debt is past the statute of limitations and legally uncollectible. 
3. Despite this legal ruling, XXXX XXXX continues to report the charge-off to the credit bureaus every month, further damaging my credit. 
4. Hayt Hayt & Landaus continued attempts to collect and report this debt, despite a court ruling against them, violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have attached a copy of the court ruling denying their motion for judgment as evidence that this debt is time-barred and should not be reported or collected. 

Thank you for your time in reviewing this complaint. I request that the CFPB take immediate action to resolve this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: IL

Complaint narrative:
Incorrect Late Payment Reporting and for student loan deferment I am filing this compliant because my student loan account has been reported incorrectly on my credit report. 

The account shows a late payment for XX/XX/year>, even though my loan was in deferment. 

This error negatively impact my credit score. 

I have disputed this issue with XXXX, XXXX and XXXX to request correction to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX they never tried to assist me better to receive a loan, the XXXX XXXX XXXX discriminated against me.

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 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of XXXX XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX am XXXX to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, ( XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX  Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX Account XXXX XXXX Account name : XXXX  XXXX Account number XXXX Account name : XXXX XXXX Account number XXXX Account name : XXXX XXXX Account number XXXX Account name : XXXX XXXX  Account number XXXX Account name : XXXX  Account number XXXX Account name : XXXX Account number XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX OF XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.

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

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX CARD Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
I have not supplied under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX acct # XXXX, XXXX XXXX acct # 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing this complaint regarding an inaccurately reported late payment on my credit report, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). The furnisher, [ XXXX XXXX XXXX ], has reported a late payment on my account [ XXXX ] dated [ XX/XX/year>, XX/XX/year>, and XX/XX/year> ) despite this information being inaccurate and not meeting the legal requirements for inclusion in my consumer report. 

Under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report is only permitted to contain information that directly reflects the transactions and experiences between the consumer and the furnisher. The late payment reported does not meet this standard, making its inclusion on my credit file improper. Additionally, under 15 U.S. Code 1681s-2 ( a ), furnishers have a legal obligation to ensure they report only accurate and verifiable information to the credit bureaus, yet this inaccurate late payment remains on my record despite my previous disputes. 

I have already contacted [ Creditors Name ] and disputed this entry, but they have failed to correct the error or provide valid documentation to support the reporting. This has caused unnecessary harm to my credit profile, affecting my financial opportunities and potentially leading to higher interest rates on future credit products. 

Furthermore, I was impacted by the Equifax data breach, which compromised my sensitive personal information. Given that my data was exposed, I am deeply concerned about whether this inaccurate reporting is a direct result of that breach or whether my credit file has been mishandled due to inadequate security and verification measures. Under 15 U.S. Code 1681c-1, I have the right to ensure that only correct and properly verified data is included in my credit report.

I am requesting the CFPB to investigate this matter thoroughly and ensure that [ Creditors Name ] either provides full verification of this late paymentincluding proper documentation that aligns with the FCRAor removes the inaccurate late payment from my credit file immediately. I also request that Equifax review my file for any other potential inaccuracies related to their breach and take corrective action where necessary. 

This situation has already negatively impacted my financial stability, and I urge the CFPB to take action to protect my rights as a consumer.

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 2025-02-07 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: HI

Complaint narrative:
[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian Dispute Department po box XXXX, XXXX, TX XXXX Subject : Urgent Dispute of Inaccurate Information Immediate Action Required To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. Despite my prior attempts to correct these errors, Experian has failed to comply with 15 USC 1681i and 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) by not conducting a proper investigation.

Additionally, the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian alleges that your company fails to properly investigate disputes and reinserts inaccurate information, which aligns with my experience. 
Disputed Items Creditor Name & Account Number : XXXX XXXX XXXX # XXXX, and XXXXXXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : [ e.g., This account is not mine/ Incorrect balance / Incorrect payment history. ] Requested Action : Remove or correct the error immediately. 
Supporting Documents : [ e.g., Payment records, identity theft affidavit, police report. ] Experians Failure to Investigate I previously disputed this on [ XXXX ], but you failed to conduct a legitimate investigation. 
Your actions violate federal law, causing harm to my creditworthiness and financial well-being. 
Given the CFPBs lawsuit, I am holding Experian accountable for any continued noncompliance.

Urgent Resolution Required Within 3-4 Days I demand that Experian : Immediately delete or correct the disputed information within 3 to 4 days to avoid further legal escalation.

Provide a written confirmation of corrections made to my credit file.

Ensure full compliance with the FCRA to prevent further harm.

If Experian fails to act within 4 days, I will : File a formal complaint with the CFPB, FTC, and state consumer protection agencies.

Pursue legal action for damages under 15 USC 1681o for negligent noncompliance.

This matter is urgent and requires immediate attention. I expect your written response within 4 days from the date of this letter. 
Sincerely, [ XXXX XXXX XXXX Attachments : Copy of credit report with disputed items highlighted Supporting documents ( e.g., proof of payment, identity theft affidavit, police report ) Previous dispute letters and Experians responses ( if any ) This letter makes it clear that you expect action within 3-4 days instead of 30 days, using legal pressure from the CFPB lawsuit to back your demand. Let me know if you want any further tweaks!

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

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: AR

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your consideration.

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 2025-02-07 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: LA

Complaint narrative:
Dear Equifax Dispute Department, Pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), I request verification of the accounts listed below. These accounts do not belong to me, and unless you can provide verifiable proof, they must be removed immediately. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 609 Request : I am requesting full verification of these accounts, including the original account applications bearing my signature. Under 15 U.S. Code 1681g, if you can not provide this documentation, the accounts must be permanently deleted from my credit report.

FCRA Section 611 Request : According to 15 U.S. Code 1681i, you are required to conduct a reinvestigation of these accounts within 30 days. If you can not verify their accuracy, they must be removed immediately. 

I expect a written response within 30 days. If this dispute is not resolved, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
I recently discovered my information was exposed in the Equifax Data Breach. I then noticed several fraudulent accounts impacted my credit report caused by the Equifax Data Breach. 

I am attaching a copy of the accounts to this complaint. XXXX XXXXXXXX XXXX XXXX {$3500.00}, XXXX XXXX {$4600.00}, XXXX XXXX XXXX XXXX {$3200.00}, XXXX XXXX XXXX XXXX {$25000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXXXX/XX/XXXX Dear ( XXXX ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT.

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief