vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX RE : Complaint Regarding Charge-Off Reporting XXXX XXXX XXXX Credit Card Dear CFPB Representative XXXX I am writing to formally file a complaint against XXXX XXXX XXXX regarding the charge-off status reported on my credit card account ending in XXXX. 
The charge-off was reported without proper validation and is causing significant harm to my credit profile. I am requesting an investigation into this matter and respectfully urge your office to hold the institution accountable for any violations of the law. 
Details of the Issue : Creditor Name : XXXX XXXX XXXX Account Number ( last XXXX digits ) : XXXX Charge-Off XXXX Alleged Balance : {$700.00} I contacted XXXX XXXX XXXX and requested documentation validating the debt as well as an itemized accounting of how the balance was determined. To date, they have not provided the information required under federal law. In addition, I believe the charge-off was reported inaccurately or without compliance with lawful procedures.

Laws Violated or Potentially Violated : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 Under the FCRA, furnishers of information to credit bureaus must report information that is accurate and complete. If a consumer disputes information, the furnisher is required to conduct a reasonable investigation and update or delete the data as appropriately. To my knowledge, XXXX XXXX XXXX has not provided evidence to support the accuracy of this charge-off, despite my dispute. 
2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g If XXXX XXXX XXXX or a third party is acting as a debt collector, they are required to provide validation of the debt upon request within 30 days. I requested validation in writing, and they failed to provide a response. 
3. FACTA Amendments to FCRA The FACTA amendments further mandate that consumers have the right to dispute incomplete or inaccurate information and require that furnishers and CRAs have procedures in place to ensure data integrity I request that the CFPB investigate this matter and request XXXX XXXX XXXX to validate or remove the charge-off. 
If they can not substantiate the debt or show proof of compliance with the FCRA and FDCPA, I ask that the charge-off and associated derogatory marks be removed from my credit report with all major credit bureaus. 
I also request confirmation that no further collections or negative reporting will occur related to this account. 
I have attached copies of my correspondence with XXXX XXXXXXXX XXXX and copies of my credit report showing the charge-off. I am happy to provide any additional documents upon request. 
Thank you for your assistance in resolving this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau Representative, Thank you for your attention to my dispute regarding the charge from XXXX XXXX XXXX referenced under account number XXXX. 

To reiterate, I am disputing this medical charge because I was explicitly informed before my consultation that my insurance would fully cover the visit. Before scheduling the appointment, I spoke with the XXXX  offices secretary, who confirmed that the visit would be fully covered by my insurance and that the doctor was capable of performing the necessary XXXX XXXX. 

However, during the actual visit, the doctor informed me that I would need to be referred to another specialist for the XXXX. I did not proceed with the XXXX through the referred doctor or XXXX XXXX XXXX  Despite this, I later received a charge for the consultationcontradicting the information I was originally given when I scheduled the appointment. 

I have requested an itemized bill and documentation supporting this charge from the providers billing department. As of now, I have not received sufficient justification for the charge, and I continue to believe it was made in error. 

Please let me know if any additional documentation or details are required to assist in resolving this matter. I appreciate your support and prompt attention to ensuring a fair outcome. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: DE

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed my credit report and identified inaccurate information that must be corrected immediately. Specifically, my account ( Account Number : XXXX ), which is an education account opened on XX/XX/XXXX, with an original balance of {$2000.00}, has been reported with two late payments in XXXX and XX/XX/XXXX, and a past due amount of {$90.00} in XX/XX/XXXX, marked as 90 days late. I have attached a copy of my credit report reflecting these inaccuracies, dated XX/XX/XXXX. 

I can confirm that these payments were made on time, and I have never been late on this account. Furthermore, the creditor has improperly reported a 90-day late payment in XX/XX/XXXX without following the standard delinquency progression of 30-60-90 days. There is no record of a 30-day or 60-day late status in the preceding months, which is a clear violation of standard credit reporting practices. This abrupt reporting of a 90-day delinquency is inaccurate and misleading, damaging my credit profile unjustly. 

Additionally, I believe the creditor may have failed to comply with 15 U.S.C. 1666b of the Fair Credit Billing Act ( FCBA ), which requires creditors to send billing statements at least 21 days before the payment due date. If proper billing statements were not provided in a timely manner, I was not given a fair opportunity to make payments on time, rendering the late payment reporting invalid. 

The consumer reporting agencies are obligated under the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( 15 U.S.C. 1681s-2 ), to ensure that all information reported is accurate and complete. The FCRA also mandates, under Section 611 ( 15 U.S.C. 1681i ), that agencies investigate disputed information within 30 days and correct any inaccuracies. The erroneous reporting of these late payments, including the improper 90-day late mark and the lack of proper delinquency progression, violates these provisions and has harmed my credit standing. 

I demand that you immediately investigate this account, remove the late payment marks for XXXX and XX/XX/XXXX, and correct the XX/XX/XXXX entry to reflect no past due amount or delinquency. The payment history must be updated to show all payments were made on time. I expect a written response confirming the correction of these errors within the 30-day timeframe required by the FCRA. Failure to comply with these legal obligations, including the requirements of both the FCRA and FCBA, may result in further action to protect my rights under federal law.

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 2025-04-09 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: DC

Complaint narrative:
I am filing a complaint regarding identity theft that has resulted in unauthorized accounts and credit inquiries appearing on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609, 604, 611, and 605A.

Section 609 of the FCRA requires that credit reporting agencies ensure the accuracy of the information in my credit report and make it available to me upon request. The fraudulent accounts that have been opened in my name are inaccurate, and the credit bureaus have not removed them after my disputes.

Section 604 of the FCRA states that credit reports may only be accessed with my consent or for certain permissible purposes. Unauthorized credit inquiries have been made by companies I do not recognize or have not authorized.

Section 611 of the FCRA mandates that credit reporting agencies investigate disputes in a timely manner ( within 30 days ) and correct any inaccuracies. Despite my attempts to dispute these fraudulent accounts and inquiries, they remain unresolved.

Section 605A of the FCRA allows consumers to place fraud alerts or credit freezes to prevent further unauthorized access to their credit reports. I have taken these actions, but the fraudulent information continues to persist.

Despite my efforts to resolve this issue, these fraudulent items remain on my credit report and continue to harm my credit score and financial stability. I am seeking assistance from the CFPB to enforce my rights under the FCRA and ensure the credit reporting agencies comply with their legal obligations to correct these inaccuracies.

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 2025-04-09 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:
Doing the month of XX/XX/year>XXXX  I said dispute letters to Experian Equifax and transunion Experian continues to not even acknowledge my dispute not giving written which I requested written response to how they handle the investigation on all disputes here we have a clear violation of the US C 1581 c i g on all three credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
Doing the month of XX/XX/year>XXXX  I said dispute letters to Experian Equifax and transunion Experian continues to not even acknowledge my dispute not giving written which I requested written response to how they handle the investigation on all disputes here we have a clear violation of the US C 1581 c i g on all three credit reporting agencies

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 2025-04-09 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:
I reviewed my credit report and found unknown accounts and amounts allegedly owed. I sent a letter to dispute the information. I recieved a response that the accounts came back verified, but no details of the investigations. I sent another letter via certified mail on XX/XX/year> which stated the following : " I previously disputed this account stating : " I never had a contract with this debt collector for any debt please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account '' I don't agree with the results of your investigation please mail me the proof of your investigation and proof that this debt collector has a legal right to collect or delete account... please do not accept any furnisher who hasn't provided comprehensive and detailed results I ask that you share the specifics of your investigation, including the furnisher 's response via mail. '' Once again, I got a letter stating acounts were verified, however, I did NOT get any proof of investigation, paperwork showing the investigation or the response from furnisher 's. 
The Equifax confirmation number is XXXX which contains my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: UT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I hope this letter finds you well. I am writing to formally dispute inaccurate information that appears on my credit report, which was provided by your bureau. Despite multiple previous disputes, the information remains unresolved, and I am seeking prompt correction. 

The following entries are inaccurate : XXXX. XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative XXXX Credit inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.

These inaccuracies are causing damage to my credit score and, therefore, my financial well-being. Please investigate these discrepancies immediately, as per the guidelines set by the Fair Credit Reporting Act ( FCRA ).

I would also like to highlight that there have been consistent issues with the accuracy of the information provided by Experian, which led to the Consumer Financial Protection Bureau ( CFPB ) filing a lawsuit against Experian for similar failures to accurately handle disputes and update consumer credit files. It is troubling that my attempts to correct these issues have not been addressed, despite clear regulations in place that require accurate reporting. 

I request the following actions : XXXX. A thorough investigation into the disputed information and updates to my credit report. 
XXXX. Written confirmation of the results of your investigation and any changes made to my credit report. 
XXXX. A copy of my updated credit report once corrections have been made. 

I have enclosed any supporting documentation necessary for your investigation, including copies of my previous dispute letters and any related correspondence. 

Please acknowledge receipt of this dispute and confirm the status of your investigation within 30 days. If the information is not corrected, I will be forced to escalate this matter to the CFPB and may seek legal action to ensure my rights under the FCRA are upheld.

Thank you for your prompt attention to this matter. I look forward to a timely resolution. 

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 explanation
Consumer complaint received 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I started looking at my credit when I was XXXX and found that there were numerous accounts that were in my name that were not mine. Upon trying to dispute such accounts, i.e. credit cards, loans, etc, there were some taken off but some that the credit companies refused to take off of my account. XXXX seems to be mostly clear but transunion isn't allowing for my credit to be fixed.

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 2025-04-09 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: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XX/XX/year> ] XXXX XXXX XXXX  Re : Account XXXX Dear Sir/Madam : I am writing to dispute the validity of the debt referenced above. Please provide me, in writing, within 30 days, with verification of the debt, including : 1. A copy of the original signed contract or agreement.

2. A complete payment history showing how the balance was calculated.

3. Proof that you are authorized to collect on this account.

Please cease all collection activities until you provide the requested documentation. 

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