vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information currently appearing on my Experian credit report. My Experian file lists late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year> regarding Planet Home Lending, Account # XXXX Please allow me to explain : XX/XX/year> and XX/XX/year> : During these months, my account was under an active forbearance plan, which was formally approved by Planet Home Lending. According to Section 4021 of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, lenders must report accounts in forbearance as current if they were current at the time the accommodation was made. Reporting these months as late is a violation of this federal law. 
XX/XX/year> : The report reflects a late payment ; however, a payment was made on XX/XX/year>, well within the creditors standard grace period. Therefore, it should not have been reported as late. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate information and request an investigation. I request that Experian investigate these inaccuracies with the furnisher of the information, correct the errors, and update my credit file accordingly. 
For your convenience, I have enclosed supporting documentation, including forbearance agreement/payment confirmation to substantiate my claim. 
I respectfully ask that Experian delete the late payment for XXXX, XXXX, and XX/XX/year> to reflect the accurate status of my account. Please complete your reinvestigation within the time frame mandated by the FCRA and provide me with the results in writing. 
Thank you for your prompt attention to this matter. 
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 2025-05-01 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:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX 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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Merchants have given me money back and SoFi did not release it until I filed a complaint And on top of that they only released the money from one merchant even though that merchant is on the same list of transactions that was made illegally when they said they investigated how can you pick and choose what money to give me back from a dispute after you were proved wrong and it was fraud on my account that why cash app gave me my money back when I made the SoFi dispute and SoFi withheld that information until I found out myself from cash app and sent that message in from cash app They are withholding over XXXX in funds knowing my account was taken over and they arent doing anything to help just delaying the process and then making it worse seeing that some merchants have given money back but they still think there investigation was good it wasnt and now Ive been delayed 2 months on bills and more because of this mishap and they refuse to listen I have a voice audio from a rude manager as well saying its not my fault but its nothing he can do but the file is to large to load here is it a place i can load voice evidence Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
I recently reviewed my credit report and see there is an account that is not reporting accurate information. I have 3 late payments showing on an account that has definitely and consistently been paid on time. The credit reporting agencies job is to simply report completely accurate information. The account in question is XXXX XXXX XXXX XXXX XXXX XXXX which displays late payments in XX/XX/year>, XX/XX/year> and XXXX of 2023. 

I demand the credit bureaus investigate these accounts and request proof of late payments from the company and provide it to me. If that information is not provided update these payments/account to paid on time immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and see there is an account that is not reporting accurate information. I have 3 late payments showing on an account that has definitely and consistently been paid on time. The credit reporting agencies job is to simply report completely accurate information. The account in question is XXXX XXXX XXXX XXXX XXXX XXXX which displays late payments in XX/XX/year>, XX/XX/year> and XXXX of 2023. 

I demand the credit bureaus investigate these accounts and request proof of late payments from the company and provide it to me. If that information is not provided update these payments/account to paid on time immediately.

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 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RFNA, LP
State: AL

Complaint narrative:
2nd time that XXXX XXXX XXXX has said I owe money and do not. It was took out of my work check years ago. The Group is named XXXX XXXX XXXX ( debt collector ). I am tired of this, and it upsets me a lot. They told me the first time they would fix this and haven't. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: CA

Complaint narrative:
Theres been credit opened under my name during the time I was XXXX  in the California corrections and rehabilitation. XXXX  # XXXX. I was iXXXX from XXXX XXXX XX/XX/year>. Ive been trying to reach out to credit bureau to informed them of such and theres been no help. Credit open from XXXX XX/XX/year> under my name is fraudulent. By law credit bureau is to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one keeps sending me mailers saying I am pre approved and to apply. Just do deny me 2x. Stop sending me mailers that are just lies to run my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. DPT ED/XXXX  XXXX These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

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 2025-05-01 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LendingPoint Holdings LLC
State: FL

Complaint narrative:
well for starters I'm having symptoms of XXXX XXXXXXXX and entered to get a free consult as I was questioning the offer they convinced me to try a few things before I left and when I did leave they were joking about the signatures that I had provided .I asked them that day to disregard my application for credit and was refused that option.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Maury Cobb, Attorney at Law, LLC
State: LA

Complaint narrative:
Hello, I am reaching out in hopes of settling a debt. Last year in XXXX I switched from XXXXXXXX XXXX XXXX I was told that I only had to pay my last bill. It would be sent to me via mail. Well a few months passed and I never received anything. Until one day it dawned on me, I called XXXX and they then informed me that my past due bill is now in collections at XXXX. I reached out to XXXX for details of the collections. I have a {$890.00} bill with them. So I sent dispute letters to all bureaus because of course that collections has hit my credit report. It caused my score to drop a bit recently I received those results and seems as though it was denied. I called XXXX back to discuss payment because I guess I am forced to pay it. Well they inform me that it is has now been sent to Maury Cobb Law attorney office. Now Im furious. I called the office to inquire about settlement to pay. But before the conversation ended, the rep mentioned that yes we are an attorney office, we are not scammers do not believe those reviews on the internet XXXX, Im curious, I XXXX their office and all the reviews reflect to them being scammers. Im confused and dont know what to do. Please help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # XXXX XXXX XXXX  Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
I came across the CFPB Experian lawsuit. 

I feel I was negatively impacted by XXXX, hurting my chances at credit after receiving a response to my earlier dispute that the accounts and addresses were " verified. '' But I don't see any details about the investigation. 

I DO NOT RECOGNIZE THESE ADDRESSES THAT ARE ON THERE OR ACCOUNTS AND WOULD LIKE THEM REMOVED IMMEDIATELY!!!!

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 2025-05-01 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: WI

Complaint narrative:
I have filed two disputes with Experioan requesting both proof of the account and also reporting that my information was given to a company name XXXX without my approval and that I requested them to stop the emails, but they never did. Experian has been closing all my disputes as updated with no supporting documents and no proof as requested. It seems like AI is closing them because yesterday it came back within an hour! And I filed again and it came back within 24 hours. They are not investigating anything nor are they giving the proof requested! I am very unhappy with the way they are handling their disputes.

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 2025-05-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not updated my credit report since XXXX. Today is now XX/XX/XXXX. i ahve called and explained and verified all of my contact information. they agreed to update the report and it has still not been updated.

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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
According to FERA Section 605B it is illegal to report anything on my credit report without my permission. 
Please remove this negative item. Thank you

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