vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: AL

Complaint narrative:
Subject : Urgent Dispute of Credit Report Inaccuracies Request for Deletion and Notification I am writing to dispute inaccuracies found in my credit report regarding my account with Credit Acceptance. My personal identification details are Upon thorough review of my credit reports from XXXX, XXXX, and Equifax, I have identified serious inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). The following discrepancies must be addressed immediately : XXXX. * * Inconsistent Late Payment Records * * : - * * XXXX  * * shXXXXws XXXX late payments. 
- * * XXXX  * * shows XXXX late payments. 
- * * Equifax * * shows XXXX late payments. 
These conflicting reports are misleading and violate section 609 of the FCRA, which mandates that credit reports must be accurate.

2. * * Erroneous Past Due Status * * : The reporting status of the account being more than XXXX  days past due is inaccurate. Under the FCRA, I am entitled to an accurate investigation of this information, which appears to be incorrectly represented. 

XXXX. * * Disparities in Account Balances * * : - * * XXXX  * * : {$2600.00} - * * XXXX  * * : {$2600.00} - * * Equifax * * : {$2600.00} Such inconsistencies are a violation of my rights under the FCRA, which requires credit reporting agencies to maintain accurate records. 

Given these inaccuracies, I am exercising my rights under the FCRAspecifically sections 602 ( a ), 609, and 611which outline the obligation for credit reporting agencies to ensure reporting accuracy and to conduct investigations of reported information promptly.

Should you fail to resolve this dispute satisfactorily, please be advised that I am prepared to pursue legal action under the FCRA. Potential legal recourse may include seeking damages for violating my rights as a consumer and could involve filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action in federal court. 

I request that you investigate these discrepancies promptly and remove this account from my credit report due to the failure to validate and report accurate information. 

Enclosed are copies of my credit reports with discrepancies highlighted, as well as documents supporting my claims. I expect a written response to this dispute within 30 days, as stipulated by the FCRA. 

Thank you for your immediate attention to this matter. I anticipate a swift resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: AL

Complaint narrative:
Subject : Urgent Dispute of Credit Report Inaccuracies Request for Deletion and Notification I am writing to dispute inaccuracies found in my credit report regarding my account with Credit Acceptance. My personal identification details are Upon thorough review of my credit reports from Experian, XXXX XXXX XXXX I have identified serious inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). The following discrepancies must be addressed immediately : 1. * * Inconsistent Late Payment Records * * : - * * Experian * * shows XXXX late payments. 
- * * XXXX  * * shows XXXX late payments. 
- * * XXXX  * * shows XXXX late payments. 
These conflicting reports are misleading and violate section 609 of the FCRA, which mandates that credit reports must be accurate.

2. * * Erroneous Past Due Status * * : The reporting status of the account being more than XXXX  days past due is inaccurate. Under the FCRA, I am entitled to an accurate investigation of this information, which appears to be incorrectly represented. 

XXXX. * * Disparities in Account Balances * * : - * * Experian * * : {$2600.00} - * * XXXX  * * : {$2600.00} - * * XXXX  * * : {$2600.00} Such inconsistencies are a violation of my rights under the FCRA, which requires credit reporting agencies to maintain accurate records. 

Given these inaccuracies, I am exercising my rights under the FCRAspecifically sections 602 ( a ), 609, and 611which outline the obligation for credit reporting agencies to ensure reporting accuracy and to conduct investigations of reported information promptly. 

Should you fail to resolve this dispute satisfactorily, please be advised that I am prepared to pursue legal action under the FCRA. Potential legal recourse may include seeking damages for violating my rights as a consumer and could involve filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action in federal court. 

I request that you investigate these discrepancies promptly and remove this account from my credit report due to the failure to validate and report accurate information. 

Enclosed are copies of my credit reports with discrepancies highlighted, as well as documents supporting my claims. I expect a written response to this dispute within 30 days, as stipulated by the FCRA. 

Thank you for your immediate attention to this matter. I anticipate a swift resolution

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 2025-04-25 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: AL

Complaint narrative:
Subject : Urgent Dispute of Credit Report Inaccuracies Request for Deletion and Notification I am writing to dispute inaccuracies found in my credit report regarding my account with Credit Acceptance. My personal identification details are Upon thorough review of my credit reports from XXXX, TransUnion, and XXXX, I have identified serious inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). The following discrepancies must be addressed immediately : 1. * * Inconsistent Late Payment Records * * : - * * XXXX  * * shows XXXX late payments. 
- * * TransUnion * * shows XXXX late payments. 
- * * XXXX  * * shows XXXX late payments. 
These conflicting reports are misleading and violate section 609 of the FCRA, which mandates that credit reports must be accurate.

2. * * Erroneous Past Due Status * * : The reporting status of the account being more than XXXX  days past due is inaccurate. Under the FCRA, I am entitled to an accurate investigation of this information, which appears to be incorrectly represented. 

XXXX. * * Disparities in Account Balances * * : - * * XXXX  * * : {$2600.00} - * * TransUnion * * : {$2600.00} - * * XXXX  * * : {$2600.00} Such inconsistencies are a violation of my rights under the FCRA, which requires credit reporting agencies to maintain accurate records. 

Given these inaccuracies, I am exercising my rights under the FCRAspecifically sections 602 ( a ), 609, and 611which outline the obligation for credit reporting agencies to ensure reporting accuracy and to conduct investigations of reported information promptly. 

Should you fail to resolve this dispute satisfactorily, please be advised that I am prepared to pursue legal action under the FCRA. Potential legal recourse may include seeking damages for violating my rights as a consumer and could involve filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action in federal court. 

I request that you investigate these discrepancies promptly and remove this account from my credit report due to the failure to validate and report accurate information. 

Enclosed are copies of my credit reports with discrepancies highlighted, as well as documents supporting my claims. I expect a written response to this dispute within 30 days, as stipulated by the FCRA. 

Thank you for your immediate attention to this matter. I anticipate a swift resolution

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX 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 2025-04-25 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-04-25 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: VA

Complaint narrative:
My name is XXXX XXXX and I'm not filing this claim in XXXX person. I am a living woman who's privacy rights have been violated. The accounts listed below have been reporting to my personal reports and has had a negative affect on my life extremely reducing the ability to obtain any credit in my name. 

ACCOUNT : XXXX XXXX {$4000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX {$26.00}, ACCT XXXX XXXX XXXX XXXX XXXX * ACCOUNT : XXXX XXXX XXXX {$480.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.

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 2025-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX 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 conducted an inquirys into my personal information without my authorization or prior consent. I did not initiate any contact or business with this company and have no reason to believe they should be accessing my data.I would like this removed immediately thank you for your time & consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: GA

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 XXXX XXXX XXXX. 

XXXX - XXXXXXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-04-25 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2025-04-26 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:
Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Dear Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5.Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt 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 2025-04-26 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: TX

Complaint narrative:
Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Dear Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5.Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The most XXXX chase here in XXXX Tx my son and I came in to open a account at XXXX am ahead of my XXXX appointment the banker XXXX XXXX and XXXX XXXX want to assist XXXX customers and the branch XXXX XXXX XXXX XXXX and make it no better he kept coming and lying to me that he was gon na help me and when I walked in the private client office he started telling me in a condescending tone about his other appointments as if he was frustrated with me and then he was like XXXX going to help you just calm down which I was already calm. He expected a XXXX person outburst in which the stigma its expected out of XXXX customers and when he was like I cant help you sorry chase Doesnt want to do Business with you with no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
After reviewing my credit report I noticed the following account listed by your company. I am disputing owing any and all debts to your Company. Please, provide me with verification of this debt I have with your company. The original signed contract between me and your Company. I request and revoking all communication rights with me via text, email, and calling. Also requesting a copy of the purchasing agreement between your Company and the Original Creditor. 

Your Company have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), but yet, you placed a collection on my consumer report. I also was not given the chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Company response to consumer: Closed with explanation