vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: Kovo
State: NC

Complaint narrative:
On or about XX/XX/XXXX, I submitted a written dispute regarding inaccurate or incomplete information appearing on my consumer report, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i. My dispute was mailed via certified mail and received by the company on XX/XX/XXXX, as confirmed by XXXX tracking number XXXX. 

In accordance with the FCRA, the company was required to conduct a reasonable reinvestigation of the disputed information and report the results of that reinvestigation to me within 30 days. However, no investigation results were ever received, either within the required timeframe or thereafter. 

Additionally, after receiving the initial response from the first disputewhere the company claimed the account was accurate, validated, or verifiedI timely requested a reinvestigation of the information pursuant to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). Under this provision, if a consumer makes a written request for reinvestigation within 15 days of receiving the original results, the company is required to : Conduct a reinvestigation ; Review and consider all relevant information provided by the consumer ; Complete the reinvestigation within 15 days ; Provide the consumer with written results within XXXX business days after completion.yr I made this reinvestigation request on XXXX XXXX, which was again sent via certified mail and received by the company on XX/XX/XXXX / Tracking # XXXX. Despite clear evidence of receipt, I did not receive any results from the reinvestigation process, nor did the company notify me of any deletion, correction, or validation procedures as required under the law. 

The company failed to meet its obligations under the FCRA by not conducting a reasonable reinvestigation and by failing to provide results within the statutory timeframes. Their inaction and non-responsiveness constitute willful noncompliance with the FCRA. 

I am seeking regulatory intervention and enforcement action for this failure to comply with 15 U.S. Code 1681i, and for the ongoing reporting of inaccurate or unverifiable information that has not been properly investigated or validated. 

kovo, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint because several credit reporting agencies and/or creditors have failed to respond to my formal dispute letters within the 30-day timeframe required under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S. Code 1681i ) . 

I submitted written disputes regarding inaccurate or unverifiable information on my credit report, and included all supporting documentation. According to the FCRA, these agencies are required to investigate and respond within 30 days. As of today, I have not received any response or resolution. 

This lack of response violates my rights under federal law, and I am requesting that the CFPB take appropriate action to enforce compliance. I am also attaching copies of the dispute letters I sent, along with proof of mailing and dates, to support my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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 account with XXXX XXXX XXXX  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 in to be removed.

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. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On or about XX/XX/XXXX, I submitted a written dispute regarding inaccurate or incomplete information appearing on my consumer report, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i. My dispute was mailed via certified mail and received by the company on XX/XX/XXXX, as confirmed by USPS tracking number XXXX. 

In accordance with the FCRA, the company was required to conduct a reasonable reinvestigation of the disputed information and report the results of that reinvestigation to me within 30 days. However, no investigation results were ever received, either within the required timeframe or thereafter. 

Additionally, after receiving the initial response from the first disputewhere the company claimed the account was accurate, validated, or verifiedI timely requested a reinvestigation of the information pursuant to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). Under this provision, if a consumer makes a written request for reinvestigation within 15 days of receiving the original results, the company is required to : Conduct a reinvestigation ; Review and consider all relevant information provided by the consumer ; Complete the reinvestigation within 15 days ; Provide the consumer with written results within 5 business days after completion. 

I made this reinvestigation request on XXXX XXXX, which was again sent via certified mail and received by the company on XX/XX/XXXX/ Tracking # XXXX. Despite clear evidence of receipt, I did not receive any results from the reinvestigation process, nor did the company notify me of any deletion, correction, or validation procedures as required under the law. 

The company failed to meet its obligations under the FCRA by not conducting a reasonable reinvestigation and by failing to provide results within the statutory timeframes. Their inaction and non-responsiveness constitute willful noncompliance with the FCRA. 

I am seeking regulatory intervention and enforcement action for this failure to comply with 15 U.S. Code 1681i, and for the ongoing reporting of inaccurate or unverifiable information that has not been properly investigated or validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint to report that my credit file contains inaccurate, outdated, and unverifiable personal information that does not comply with the standards set forth under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Reporting Format established by the Consumer Data Industry Association ( CDIA ).

I am formally requesting a review and correction of my credit report to ensure it reflects only verified, complete, and up-to-date identifying information. Inaccurate personal data can lead to misidentification and negatively impact my creditworthiness. 

The following is my verified and accurate personal information that should appear on my credit report : Full Name : XXXX XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX XXXX of Birth :XX/XX/XXXX Last Four of SSN : XXXX Under the FCRA and Metro 2 guidelines, any outdated, duplicate, or unverifiable identifiersincluding incorrect name variations, previous addresses, and employer datashould be promptly removed if they can not be verified or are no longer relevant. 

I have attached the following documentation to support this dispute : A copy of my government-issued identification A recent utility bill showing my current address I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that the credit reporting agencies correct my file to reflect only the verified information provided. Please provide written confirmation once the corrections have been made. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Commercial Services, Inc
State: LA

Complaint narrative:
National Commercial Services, a debt collection agency in XXXX XXXX, California, tricked me into signing a contract without verifying that the debt was mine. They used scare tactics and called family members for me up until today. They said they would sue me and revoke my license. They heard a young girl who had obviously been naive and threatened me with scare tactics and aggressive language that led me to panic into signing a contract. As of XX/XX/year>, they sent a letter saying they are consulting an attorney but I could call to get it resolved. When I was able to become levelheaded and research post-panic, I saw this company is notorious for doing this to people and have tricked others into contracts that same way. This company has been contacting me for roughly XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request. 

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report. 

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. 

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX XXXX XXXX XXXX * * Balance : {$0.00} ; XXXX XXXX XXXX XXXX * * * * Balance : {$480.00} ; XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX/XXXX  XXXX  XX/XX/year> ; XXXX XXXX  XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX  XXXX XXXX XXXX XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Account LVNV FUNDING # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXXCertified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX  XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * * * * * - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I submitted a request to the credit bureau to update the address listed on my credit report. I provided supporting documentation proving my current address at XXXX XXXX XXXX, XXXX, AZ XXXX, including a copy of my ID and a utility bill. Despite this, the bureau did not update my address or remove previous outdated addresses, including XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, AZ XXXX, which are no longer valid. 

This violates my rights under the Fair Credit Reporting Act, which requires credit reporting agencies to maintain accurate and up-to-date personal information. The presence of incorrect addresses can increase the risk of mixed files, fraud alerts, or inaccuracies in account reporting. 

I am requesting the CFPBs help in getting the credit bureau to remove incorrect address data and ensure only my current, verifiable address is shown.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
( XXXX, XXXX, ( XXXX ), ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) a credit card opened at XXXX XXXX XXXX XXXX  XX/XX/XXXX Account number ( 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, and collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: CA

Complaint narrative:
Subject : Formal Dispute Inaccurate Credit Reporting of Late Payments on Closed Account Dear Kikoff Lending, I am writing to formally dispute inaccurate and potentially unlawful information your company is reporting to the credit bureaus regarding my account : Account Name : KIKOFF Issue : Account is reported as late in 2025, despite being closed Your reporting shows that I am currently late on this account, yet the account has been closed and should not have any further negative activity reported. This is a factual inaccuracy and violates the following provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Obliges furnishers to provide accurate information to credit reporting agencies. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Requires correction of incomplete or inaccurate information once identified. 
15 U.S.C. 1681i ( a ) : Mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information within 30 days. 
15 U.S.C. 1681s-2 ( b ) : Requires furnishers to investigate disputes forwarded by credit reporting agencies and update or delete information accordingly. 

Reporting late payments on a closed account is inaccurate and misleading, which damages my creditworthiness unjustly. I request that you immediately : 1. Conduct a thorough investigation of this dispute. 
2. Update all three credit bureaus ( XXXX XXXX XXXX XXXX ) to reflect the correct statusClosed Paid/Settled No late payments. 
3. Or, if you can not verify the accuracy of the reported late payments, remove the tradeline entirely. 

If this issue is not resolved within the 30-day period required under the FCRA, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may seek additional legal remedies to enforce my rights. 

Please confirm receipt of this letter and provide written confirmation of the resolution. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation