vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: LA

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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 2025-01-14 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This account appeared on my report and I had no idea what it was. I did some research and reached out to I C SYSTEM. They actually told me that the debt was sold to them by XXXX XXXX XXXX. Ive had no accounts with XXXX XXXX XXXX. My identity and personal info was compromised back in XXXX and thats when their saying the account was opened. On my credit report though, it says the account was opened on XX/XX/XXXX which makes no sense.

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 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV FUNDING LLC XX/XX/year> I NEVER HAD A CONTRACT WITH THE COMPANY OR SIGNED UP. DELETE COLLECTION FROM XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
Experian did not investigate my dispute claims against XXXX XXXX credit. I was incarcerated at the time of the charges that were incurred on my credit card. When I disputed XXXX XXXXXXXX they responded with an accurate information judgement on my incorrect report. 

Experian also did not complete a proper investigation into the matter because they were notified of my dispute through them as well. That being XXXX XXXX how now been greatly hindered with late payments as well as a charge off for XXXX XXXX 

My dispute was made through cfpb as well that Experian and XXXX XXXX XXXX. I WAS IN JAIL ITS A CASE OF MISINFORMATION, AND I WANT IT FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and 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 2025-01-14 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:
15usc 1681a d2a1 under the exclusion session you are in violation for not removing the late payments and or account in entirety Attention litigation Department, As stated in case law XXXX vs XXXX XXXX and so many more ; there is a15usc 1681i violation. You have failed to properly investigate, and the inaccuracies & inconsistencies still exist well after 5 months. Remove the accounts listed or a Notarized Notice to file suit will be sent out on XX/XX/XXXX via certified mail. I will also expect remedy and compensation of the minimum lawfully owed {$1000.00} per violation. 

15 usc 1681n You are now also infringing on my rights.The denials that I have received since these errors, EVEN AFTER KNOWN DATA BREACHES, are hindering my growth in life. I'm due for compensation.

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 2025-01-14 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: AR

Complaint narrative:
I pulled my credit report from experian and noticed a account I did not recognize and asked for it to be verified. They refuse to remove the account and did not complete investigation. The account is over XXXX XXXX XXXX and should not be reported and has been damaging my score with them in comparison to XXXX and XXXX. I also submitted a complaint to cfpb for investigation with the company and they are not responding but yet this item is damaging my credit making it hard for me to purchase a home.

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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
* First and Foremost, Glad to see CFPB is SUING Capital One for Avoiding Capital One sued by US CFPB for avoiding billions in interest payments. So WELL DESERVED. 
I am a long standing XXXX XXXX Credit Card holder ... my account is excellent standing. 
On XXXX XXXX, Capital One charged me {$59.00} for MEMBERSHIP Fee due on XX/XX/XXXX for a Credit Card that I have NEVER received in spite of Capital One Telephone ( XXXX ) XXXX XXXX stating Capital One mailed my new card and if I wanted to active it. I have repeated reported to Capital One XXXX XXXX, that I have NEVER Received any cards related to my account. On XX/XX/XXXX, the {$59.00} membership fee was paid and posted. 
I have filed numerous complaints with CFPB regarding this issue that I have had with Capital One for years. Capital One is CORRUPT and ACTIONS need to be taken to Eliminate the corruption. Also, Capital One should NOT be allowed to acquire XXXX XXXX and the XXXX New XXXX XXXX should be URGED to Block any/all Capital One attempts to acquired XXXX. HOLD Capital One accountable for XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
Due to being denied credit I was made aware of a collection account on my credit report. I contacted Experian to dispute this and many other inaccuracies on my credit file starting in XXXX of XXXX In every way I can possibly explain this account is inaccurate I have disputed it and continue to be told the company is verifying as accurate. I have never had an account with XXXX XXXX I am not aware of this debt. I did not agree to their debt or debt collection methods. I do not agree to have this reported on my credit file. This item has been disputed with the company directly with the credit reporting agency and still no relief. I would like this complaint to include both XXXX XXXX and Experian credit bureau. Both are at fault.

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 2025-01-14 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: NV

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-01-14 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:
Experian has failed to fulfill is legal obligation under the Fair credit reporting act ( FCRA ) TO CONDUCT A REASONABLE REINVESTIGATION OF THE DISPUTED INFORMATION ON MY CREDIT REPORT. LEAVING INACCURATE OR UNVERIFIABLE ACCOUNTS UNRESOLVED. THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIENCE, ALLEGING SYSTEMATIC ISSUES SUCH AS FAILING TO FORWARD CONSUMER PROVIDED EVIDENCE TO FURNISHERS, ACCEPTING UNRELIABLE RESPONSES, AND FAILING TO ADEQUATELY NOTIFY CONSUMERS OF DISPUTE OUTCOMES. THESE FAILURES ALIGN WITH MY EXPERIENCE, WHERE EXPERIENCE HAS NEITHER CORRECTED NOR REMOVED DISPUTED ITEMS DESPITE THE EVIDENCE I PROVIDED, CAUSING ONGOING HARM TO MY CREDIT STANDING. I AM REQUESTING IMMEDIATE CORRECTIVE ACTION TO REMOVE OR AMEND THE DISPUTED ACCOUNTS, AS EXPERIENCE IN ACTION VIOLATES FEDERAL LAW AND 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 2025-01-14 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: AZ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and 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 2025-01-14 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: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a collection account placed on my credit report by Eastern Account System. I have not received any prior notification about this debt, which constitutes violations of the Fair Credit Reporting Act ( FCRA ). Specifically : 1. FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), which provides consumers the right to dispute inaccurate information on their credit reports. W

ithout receiving proper notification of this debt, I was denied my right to dispute its accuracy. 2. FCRA Section 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ), which requires furnishers of information to notify consumers about the negative information reported to credit reporting agencies. Eastern Account System did not provide me with the required notice within the legally mandated timeframe.

As I track all my mail using a mail picture system, I am confident that no such notification was sent by Eastern Account System. This failure to notify me of the collection account denied me the opportunity to dispute the debt in a timely manner, as provided by the FCRA. 

I am requesting a complete validation of the debt, including : Documentation showing my identity and signature on any contractual agreement that allegedly led to this debt.

A detailed breakdown of the origin and history of the debt, including the name and contact information of the original creditor.

Please consider this letter as a formal dispute under the FCRA, and I request that Eastern Account System validate the debt or remove the collection account from my credit report immediately. I expect a response within the 30 days required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and 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 2025-01-14 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
ive been in XXXX XXXX since XX/XX/year> all accounts on my report are not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on US DEPT ED Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my US Department of Education ( US DEPT ED ) account on my credit report. These errors have caused unnecessary harm to my creditworthiness and violate federal consumer protection laws. 
Issues Identified : Incorrect Payment History : Your records indicate late payments for XX/XX/XXXX through XX/XX/XXXX. These entries are false, as the account was in deferment status during this time. 
Noncompliance with the Fair Credit Reporting Act ( FCRA ) : Under the FCRA ( 15 USC 1681i and 1681s-2 ), credit reporting agencies and information furnishers are required to ensure the maximum possible accuracy of the information reported. This has not been adhered to in this case.

Account Misclassification : The account is listed as " Late 120 Days, '' which is inconsistent with the deferment documentation. 
Account Details : Account Number : XXXX High Balance : {$2300.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Payment Status : Late 120 Days Reported Late Payments : XX/XX/XXXX XX/XX/XXXX Resolution Sought : I am requesting that Equifax conducts a comprehensive review of this account and removes the inaccurate late payment entries. Please provide written confirmation of these changes within 30 days of receipt of this letter. Failure to address this matter will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
Experian has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experian 's inaction violates federal law and 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