vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: PA

Complaint narrative:
Accounts are missing information such as balance, highest balance, monthly payments, and recent Payments

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 2025-02-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Debt Collectors International, Inc.
State: CA

Complaint narrative:
I have been running a small acupuncture clinic for nearly XXXX years. 
After COVID, the buildings landlord changed, and since XXXX, I have faced severe mistreatment. In XXXX, the landlord failed to deposit our rent for over XXXX months and used this as an excuse to evict us. Despite never missing rent or CAM charges, they falsely demanded nearly {$20000.00} in additional CAM fees. They refused to negotiate and used this tactic to push all tenants out of the building. 

They took me to court, and I hired a lawyer. On XX/XX/XXXX, the judge reviewed my evidence and their illegal documents, leading to my victory in the first trial. However, they sued me again in XX/XX/XXXX. Due to financial constraints, I couldn't continue fighting and settled for {$30000.00}. I moved my business within XXXX weeks. 
Now, the landlord falsely claims the settlement amount is $ XXXX They did not submit the final settlement agreement to the court. I have already paid {$10000.00} since XX/XX/XXXX. 

They are using a third-party debt collection agency to harass my business, demanding an inflated amount with interest. I informed the agency that the matter is still under discussion, but they continue pressuring me.

I am not afraid of the debt going to collections, as I have no money. However, I am worried about the impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Complaint Regarding Reappearing Negative Account after Identity Theft Dear Sir/Madam, I am writing to file a formal complaint regarding an issue with a negative account listing that appeared on my credit report. In XX/XX/year>, I disputed a XXXX XXXX  account ( Account Number : XXXX ) which was reported as a closed account in the amount of {$1700.00}. This account was initially deleted after I identified it as a result of identity theft. 

However, after the account was successfully removed from my credit report, I noticed that it reappeared on both my XXXX and Experian credit reports just one week later. The account is still being reported as a negative mark, which is unfair and inaccurate, especially since it was tied to identity theft. 

Additionally, for the record, my Social Security number has been flagged as part of a nationwide data breach, which further supports the claim that this account was not opened by me and was the result of fraudulent activity. 

I respectfully request that the CFPB investigate this matter and assist in ensuring that this inaccurate and harmful information is permanently removed from my credit reports. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Please let me know if you require any additional information or documentation to process my complaint. 

Thank you for your attention to 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 explanation
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate information that appears on my credit report. 
The accounts in question are XXXX Account # : XXXX, XXXX XXXX Account # : XXXX. Specifically, I have noticed the following errors : - The dates associated with this account have been altered without proper verification.

- The amounts owed reported are inconsistent with my original records Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are legally required to ensure that all information on a consumers credit report is accurate and verifiable ( 15 U.S.C 1681e ( b ) ).

Additionally, altering or reporting inaccurate information, including the dates or amounts, without proper verification is a violation of federal law.

As stated in 15 U.S.C. 1681i ( a ), when a consumer disputes information, the credit bureau must conduct a reasonable investigation and correct or delete any information that can not be verified. Furthermore, knowingly furnishing false information or failing to correct such inaccuracies could expose the furnisher or bureau to liability under 15 U.S.C. 1681s-2 ( b ).

I request that you immediately : 1. 2. 3. Investigate and verify the accuracy of the dates and amounts reported for this account.

Provide written confirmation of the sources and verification methods used.

Correct or delete the disputed information if it can not be substantiated. 
Enclosed are copies of relevant documents supporting my claim. Please note that these are provided as evidence and not as an admission of liability or ownership of the debt. 
If these inaccuracies are not resolved within the 30-day period required by law, I will consider further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies.

Thank you for your prompt attention to this matter. I look forward to your response within the statutory timeframe.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate information that appears on my credit report. 
The accounts in question are XXXX Account # : XXXX, XXXX XXXX Account # : XXXX. Specifically, I have noticed the following errors : - The dates associated with this account have been altered without proper verification.

- The amounts owed reported are inconsistent with my original records Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are legally required to ensure that all information on a consumers credit report is accurate and verifiable ( 15 U.S.C 1681e ( b ) ).

Additionally, altering or reporting inaccurate information, including the dates or amounts, without proper verification is a violation of federal law.

As stated in 15 U.S.C. 1681i ( a ), when a consumer disputes information, the credit bureau must conduct a reasonable investigation and correct or delete any information that can not be verified. Furthermore, knowingly furnishing false information or failing to correct such inaccuracies could expose the furnisher or bureau to liability under 15 U.S.C. 1681s-2 ( b ).

I request that you immediately : 1. 2. 3. Investigate and verify the accuracy of the dates and amounts reported for this account.

Provide written confirmation of the sources and verification methods used.

Correct or delete the disputed information if it can not be substantiated. 
Enclosed are copies of relevant documents supporting my claim. Please note that these are provided as evidence and not as an admission of liability or ownership of the debt. 
If these inaccuracies are not resolved within the 30-day period required by law, I will consider further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies.

Thank you for your prompt attention to this matter. I look forward to your response within the statutory timeframe.

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 2025-02-06 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: CT

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-06 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act, ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges the company engaged in sham investigations, violating consumer p
rotection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate incomplete, or unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Equifax : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 

Name Account Number Amount 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. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Delete all information that can not validated or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance legal standards. A copy of my identification is attached to this letter. 
If Equifax fails to comply with its obligations under the FCRA, this dispute will be sent to the CFPB and pursue any necessary legal actions to protect my rights. 
Please respond to this dispute in writing within 30 days or sooner. I expect written confirmation of any changes to my credit file immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XX/XX/XXXXAccount # : XXXX XXXX Account # : XXXX XX/XX/XXXX Account # : XXXXXX/XX/XXXXAccount # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXX I went thru the drive thru at the teller window I requested XXXX XXXX  and was given an envelope and a receipt. When I arrived at home I opened the bank envelope and there was only XXXX XXXX  in the envelope a XXXX XXXX bill and XXXX XXXX I immediately contacted the bank and spoke with a XXXX  by the name of XXXX. She put me on hold and counted the tellers money and I was told there was no discrepancy but she would give me a return call later today which never happened

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 2025-02-06 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ) 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( FILE NO. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the are accounts that I mark as inaccurate 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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.

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 2025-02-06 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:
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 2025-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: QC HOLDINGS INC
State: OK

Complaint narrative:
Company name is LendNation in XXXX XXXX in Oklahoma, Ive had sudden financial difficulties and communicated that, I was treated very rudely over the phone and its now in collections and I received more than 5 calls a day on average, 17 just this week from Monday to Thursday so far, theyre not willing to work with me and threatening litigation but havent yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
Equifax validated fraudulent information on my report. The Department of Treasury placed an account on my credit record but did not provide any information such as a creditor, payment information, or most importantly the date and age of the account. After disputing this with Equifax and contacting the Department of Treasury my research gathered the account is from XX/XX/XXXX. Equifax did not follow the law. The VCS ( original debtor ) failed to contact me promptly and inform me that the debt on my account existed. I never received any XXXX from the Department of Treasury, XXXX XXXX XXXX. When contacted the Department of Treasury the agent told me it was normal for them to just assume that the agency submitting the debt had done all things properly. Equifax has failed the basic aspects of the FCRA. They did not validate the debt, or gather any information such as dates, amounts, payment history, etc. I understand the Department of Treasury has no obligation policy and protocols but for EQUIFAX to just report what they receive is a failure because they are responsible for ensuring that the information being reported follows the FCRA. 
1. The date of debt is XXXX XX/XX/XXXX which Equifax did not obtain or any payment history 2. I never was contacted in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. I only found this out when my pay was garnished in Oct 2024 and got copies of the documents from my employer 4. The debt is invalid in the state of North Carolina 's statute of limitations 3 years 5. The debt is invalid on the federal level statute of limitation 6 years The sad part is that Equifax just reported this as a collection action not obtaining the basic information. Then when this information was disputed they used XXXX and just took the response without any true investigation. 

Equifax has no concern for the data it is reporting or for the law FCRA. Equifax is a greedy terrible company that needs to start abiding by the law. They can't continue to be allowed to just place anything on a consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Date : XX/XX/2025 To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX

Company response to consumer: Closed with explanation