vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated. 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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: KY

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 2025-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the collection charges reported on my credit report regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. These charges are incorrect and should not reflect a balance, as the equipment for both cable and internet services was duly returned, and I am not responsible for any further charges related to this account. 
The account in question was closed, and I received a bill dated XX/XX/year> indicating a balance of - {$120.00}, which I have already disputed with XXXX XXXX XXXX and all three credit bureaus. Despite my efforts, I have yet to receive a fair and lawful resolution, in accordance with consumer protection laws. 
As of now, nearly XXXX years later, I believe the reported charges are erroneous and should be removed immediately from my credit report. The failure to correct these inaccuracies has caused unnecessary harm to my creditworthiness, and I insist that the charges be investigated thoroughly and removed as soon as possible.

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 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-07 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: PA

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within XXXX days. Please find the enclosed documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX  sent a {$2700.00} balance transfer check to Comenity Bank ( XXXXXXXX XXXX XXXX XXXX ). A check trace confirms that Comenity received and cashed the check on XX/XX/year>, but the payment has not been applied to my account. 

Since then, I have contacted Comenity multiple times over the past XXXX months, yet they have not provided any proof or attempted to investigate the issue. As a result, I am being charged interest and fees, and my credit report reflects an incorrect balance. 

As of today, when I called Comenity again, I was told they would submit a dispute, but they refused to provide proof of the dispute number or allow me to speak with their dispute team. Additionally, no one has followed up regarding my previous calls and concerns. 

I am requesting CFPB assistance to ensure Comenity properly applies the balance transfer, removes any unfair fees, and corrects my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-07 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: GA

Complaint narrative:
I am writing to formally dispute the negative accounts reported on my credit report as a result of the XXXX  Equifax data breach, which compromised my personal information without my consent. I believe these accounts are a direct result of identity theft stemming from the breach and should be removed from my credit report immediately. 

Under 15 U.S. Code 1681o regarding civil liability for negligent noncompliance, XXXX  failure to maintain reasonable security practices to protect consumer data constitutes negligence. The statute clearly outlines that any consumer reporting agency found negligent in failing to comply with the Fair Credit Reporting Act ( FCRA ) is liable for actual damages sustained by the consumer, along with costs and reasonable attorney fees.

As a victim of this negligence, I am requesting that all negative accounts associated with fraudulent activity be permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NY

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-07 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: IL

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX  credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.

XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$790.00}

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 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 



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 non-monetary relief
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TN

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX DPEDXXXX - XXXX DPEDXXXXXXXX - XXXX DPEDXXXX - XXXX DPEDXXXX - XXXX DPEDXXXX - XXXX DPEDXXXX - XXXX DPEDXXXX - XXXX DPEDXXXX - XXXX DPEDXXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
Experian, Equifax, and TransUnion refuse to delete 7 fraudulent accounts + 24 unauthorized inquiries tied to FTC Reports # XXXX & # XXXX. 

**Fraudulent Accounts Demanding Deletion : ** XXXX. XXXXXXXX XXXX XXXX  XXXX ( {$6300.00} Charged Off ) - Opened XX/XX/XXXX ( FTC XXXX ) XXXX. XXXX XXXX # XXXX ( {$11000.00} Chargeoff ) - Opened XX/XX/XXXX ( FTC XXXX ) XXXX. XXXX XXXX # XXXX ( {$1800.00} Derogatory ) - Identity theft confirmed XXXX. XXXX XXXX # XXXX ( {$22000.00} Auto Loan ) - Unauthorized lease XXXX. XXXX XXXX XXXX  ( {$11000.00} XXXX ) - FTC-certified fraud XXXX. XXXX XXXX XXXX  # XXXX ( {$860.00} Balance ) - Invalid reporting XXXX. XXXX XXXX XXXX  # XXXX ( {$570.00} Balance ) - No signed contract **Unauthorized Inquiries ( XXXX ) : ** - **Experian** : XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) - **Equifax** : XXXX  XXXX XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ) - **TransUnion** XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) **Violations : ** - **FCRA 605B** : Failed to block identity theft accounts - **FCRA 611 ( a ) ( 1 ) ** : Used e-statements ( 16 CFR 603.3 ( p ) ) instead of wet-ink documents - **12 CFR 1022.41** : Incorrect Metro 2 coding of " Paid as Agreed '' on charged-off accounts

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-07 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: VYSTAR CREDIT UNION
State: TX

Complaint narrative:
I have observed unauthorized inquiries on my credit report, and it seems someone has applied for something in my name. 

Please be informed that under the Fair Credit Reporting Act ( FCRA ), any unverified and unauthorized items must be removed by law. 

The following accounts are not associated with me and should be immediately removed from my report : VYSTAR CU, Account Number ending in XXXX VYSTAR CU, Account Number ending in 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 2025-03-07 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: TX

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: OH

Complaint narrative:
This collection and all further communication about and reporting debt is to stop immediately see letter below XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 
XXXX, XXXX  XXXX Phone : XXXX Subject : Cease and Desist & Account Deletion Request To Whom It May Concern, I am writing to formally demand that XXXX XXXX and any affiliates, representatives, or third-party collection agencies immediately cease and desist all contact with me regarding account XXXX. 
Additionally, I request the deletion of any records related to this account from all three major credit reporting agencies ( Equifax, XXXX, and XXXX ). 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am invoking my right to request that all communications regarding this matter cease immediately. Failure to comply with this request may result in legal action. 
Please provide written confirmation that my account has been deleted and that no further attempts to collect this debt will be made. 

Sincerely, XXXX XXXX X______________________________ Note : signature is on added document upload XXXX XXXX XXXX XXXX 
XXXX, XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This collection and all further communication about and reporting debt is to stop immediately see letter below XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 
XXXX, XXXX  XXXX Phone : XXXX Subject : Cease and Desist & Account Deletion Request To Whom It May Concern, I am writing to formally demand that XXXX XXXX and any affiliates, representatives, or third-party collection agencies immediately cease and desist all contact with me regarding account XXXX. 
Additionally, I request the deletion of any records related to this account from all three major credit reporting agencies ( XXXX, XXXX, and TransUnion ). 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am invoking my right to request that all communications regarding this matter cease immediately. Failure to comply with this request may result in legal action. 
Please provide written confirmation that my account has been deleted and that no further attempts to collect this debt will be made. 

Sincerely, XXXX XXXX X______________________________ Note : signature is on added document upload XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-07 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: Andrews & Cox, P.C.
State: OH

Complaint narrative:
This collection and all further communication about and reporting debt is to stop immediately see letter below XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date : XX/XX/2025 XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 
XXXX, XXXX XXXX Phone : XXXX Subject : Cease and Desist & Account Deletion Request To Whom It MaXXXX Concern, I am writing to formally demand that XXXX XXXX and any affiliates, representatives, or third-party collection agencies immediately cease and desist all contact with me regarding account XXXX. 
Additionally, I request the deletion of any records related to this account from all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am invoking my right to request that all communications regarding this matter cease immediately. Failure to comply with this request may result in legal action. 
Please provide written confirmation that my account has been deleted and that no further attempts to collect this debt will be made. 

Sincerely, XXXX XXXX X______________________________ Note : signature is on added document upload XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief