vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
1.The company is spelling my name wrong apon completing change of name form and faxing it to the administration. 
2. The company is calling me XXXX than pronouncing name in reverse as XXXX  instead of the correct left to right sequence of the abc song and US national anthem. That what I was lead to believe by a rebel service agent that hates white people.

3. I complain social security Department has my name spelt wrong to result in error I complained of fraud to their department.

4. My legal name letters is inherited from XXXX as our XXXX alphabet and the company is apart of my estate of US so I have perfect credit but the company spells my name wrong in reporting to the US federal government. 
5. XXXX [ XXXX  ] is a void name of correspondence sent to me in email misread from social security department mispelling of legal name. 
6. Company computer form added a extra initial to legal name spelt wrong on form due from mispelling XXXX [ XXXX  ] insteading of usinf propper representation. The letter j is spelt XXXX [ XXXX  ] for-profit than they called me XXXX and pronounced my whole indivisible name in reverse [ XXXX  ] and tried to assign that to the letter j and program computer error extra initial t while the letter t is my inheritance of england with the space and is required to be visible in first name of high speed computer as shown in complaint name. Nobody went to school for high speed internet as it is really XXXX XXXX stuff than the XXXX XXXX tries to pretend their really XXXX XXXX following me while I am XXXX XXXX and freed to the XXXX XXXX. 
7. How am I suppose to use money with my name over spelt or spelt wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: DE

Complaint narrative:
Subject : Request for Immediate Deletion of Inaccurate and Unverifiable Information Account XXXX To Whom It May Concern, I am writing to request the immediate deletion of an account from my Equifax credit report due to significant inaccuracies and unverifiable information. The account details are as follows : Account Name XXXX XXXX Account Number : XXXX This account violates my rights under the Fair Credit Reporting Act ( FCRA ) in several ways, as outlined below : 1. Reporting of Late Payments on an " Open '' Account The account is marked as " Open '' with a balance owed of {$450.00}, yet it also reports a payment status of " Late 120 Days '' with multiple instances of late payments over two years.

Under FCRA Section 1681e ( b ), information must be reported accurately and without internal contradictions. An account can not simultaneously be " XXXX '' and " XXXX XXXX XXXX  '' for an extended period. This inconsistency demonstrates that the account information is unreliable and must be deleted. 

2. Missing and Unverifiable Information The following essential details are missing from the account : Original Creditor : Not provided ( " -- '' ).

Creditor Type : Listed as " Factoring Companies, '' which is often associated with third-party debt collectors. 

Under FCRA Section 1681i ( a ) ( 1 ), credit reporting agencies must delete any information that can not be verified. The absence of an original creditor and vague classification as a factoring company render this account unverifiable.

3. Inaccurate Payment History Reporting The two-year payment history reported for this account reflects late payments without proper context or verification. Equifax lists the account as " Late 90 Days '' in 20 separate instances, which is excessive and clearly erroneous.

Under FCRA Section 1681c ( a ), adverse information should be reported accurately. The repeated reporting of late payments without clarification violates my rights and misrepresents my creditworthiness.

4. Dispute Notation Issue Equifax states, " Consumer disputes after resolution, '' but fails to provide evidence of a proper resolution. The dispute notation further demonstrates that the account is unresolved and unverifiable, requiring its deletion per FCRA Section 1681i ( a ) ( 5 ) ( A ). 

XXXX. Date Discrepancies Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX The account reports activity in XXXX but lists it as " Open '' as of XXXX. This significant time gap without payments, combined with the lack of creditor-provided updates, makes the account unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-12 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: DE

Complaint narrative:
Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the immediate deletion of an inaccurate and unverifiable account from my Equifax credit report. The account details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Open, Derogatory Upon review of this account, I have identified several inaccuracies and legal violations under the Fair Credit Reporting Act ( FCRA ). These errors have caused significant harm to my credit profile and require immediate resolution.

1. Contradictory and Unverifiable Information Account Type : Listed as " Collection, '' yet the account is marked as " Open '' with a status of " Derogatory. '' Creditor Type : Identified as " Factoring Companies, '' typically third-party debt collectors, but no original creditor information is provided ( " -- '' ). 

Under FCRA Section 1681e ( b ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. The contradictions in this account 's status and missing information render it unverifiable.

2. Outdated Payment Status Reporting The account reports a " Late 120 Days '' payment status as of XX/XX/XXXX, yet it continues to appear as " Open '' on my report with no activity since then. This violates : FCRA Section 1681c ( a ) ( 4 ), which limits the reporting of adverse information ( e.g., late payments ) to seven years from the date of delinquency.

FCRA Section 1681s-2 ( b ), which requires furnishers to update and correct information in a timely manner. 

3. Dispute Notation is Misleading The account includes the remark, " Consumer disputes this account information, '' yet there is no record of resolution or verification provided.

Under FCRA Section 1681i ( a ) ( 1 ) ( A ), disputed accounts must be investigated within 30 days, and any unverifiable information must be deleted.

FCRA Section 1681i ( a ) ( 5 ) ( A ) mandates that unverifiable accounts be removed from the consumer 's report. 

4. Date Inconsistencies Date of Last Activity : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These dates are contradictory and suggest either inaccurate reporting or fraudulent account activity. Per FCRA Section 1681e ( b ), this must be rectified, or the account must be deleted.

5. Unverifiable Collection Account The account is labeled as a " Collection '' with no original creditor listed and no validation provided. This violates : FCRA Section 1681s-2 ( b ), which requires furnishers to verify the accuracy of collection accounts.

FDCPA Section 809 ( b ), which mandates that debt collectors validate the debt upon request. 

As the account remains unverifiable and inaccurate, it must be permanently removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: UT

Complaint narrative:
To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience.

I previously disputed accounts and late payments The issue is that the information about this account is wrong.

On top of that, your response didnt explain much. I didnt get any proof or details about how you verified the account. And this is hurting my ability to get a home for my family!

Heres what Im asking for : Do a proper investigation as REQUIRED by law. 
Remove the incorrect account or information from my credit report if the company cant verify it. 
Send me clear results showing exactly what you did to verify this account and share any proof you used.

Dont let this account come back on my report unless you can prove its accurate and give me written notice first.

Im asking you to resolve this within 15 days, as required by the Fair Credit Reporting Act. If this isnt fixed, Ill have no choice but to file a complaint with the CFPB and take further action to protect my rights. 
Thank you for handling this quickly. I look forward to hearing from you soon.

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 2025-01-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian for Violating the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to file a formal complaint against Experian for inaccurately reporting information on my credit report and failing to correct these inaccuracies, despite being provided with sufficient evidence. Experians actions constitute violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 et seq.

Issue Details Experian has reported an incorrect balance of {$17.00} for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX despite the account having a {$0.00} balance. I have attached : My Experian credit report dated XX/XX/2025, reflecting the inaccurate {$17.00} balance. 

A screenshot from the XXXX application showing the correct {$0.00} balance and {$200.00} available credit. 


This inaccuracy has impacted my overall credit usage calculation, which is reported as 9 % instead of the accurate 0 %. 

Violations of the FCRA Experian has failed to meet its obligations under the FCRA in the following ways : 1. Failure to Ensure Accuracy ( 1681e ( b ) ) : Experian is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. By failing to update the correct balance for my account, Experian has violated this requirement.

2. Failure to Conduct a Proper Investigation ( 1681i ) : I previously disputed this inaccuracy with Experian and provided supporting evidence. However, they failed to correct the error, violating their duty to investigate and resolve disputes.

3. Willful Noncompliance ( 1681n ) : Experians continued reporting of incorrect information, despite being notified, suggests willful noncompliance with their legal obligations under the FCRA.

Requested Resolution I request the CFPB to take the following actions : 1
. Investigate Experians handling of my credit report dispute. 

2. Require Experian to correct the inaccurate reporting of my XXXX XXXX XXXX XXXX balance and ensure accurate reporting moving forward. 

3. Impose appropriate penalties on Experian for willful noncompliance under 1681n, including damages for the harm caused to my creditworthiness and reputation. 

Supporting Evidence Please find attached : 1. Experian credit report dated XX/XX/2025. 


2. Screenshot of my XXXX XXXX Credit Card account showing a {$0.00} balance. 


3. Other relevant documents related to this matter. 

I appreciate the CFPBs attention to this matter and look forward to a prompt resolution. Thank you

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 2025-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: NC

Complaint narrative:
Had medical bill with XXXX XXXX paid a few payment but asked for itemized bill of charges and debt owed never received it then they sold to collect agency which validated my hippa   rights and also asked for debt to verified or removed byXXXX  to help validate debt no success. because by law if a collection buys debt it now becomes their debt..Please help me with this matter because XXXX has not helped.I ask to please be removed from all three of the credit bureaus Thank You..You can see I have paid my bills on time but they are using unfair tactics and violating my rights Thank You for you help Also address is incorrect and debt amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: DE

Complaint narrative:
To Whom It May Concern, I am writing to formally request the immediate deletion of an inaccurate and unverifiable account from my Equifax credit report. The account details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Open, Derogatory Upon review of this account, I have identified several discrepancies and legal violations under the Fair Credit Reporting Act ( FCRA ), which necessitate its immediate removal. 

1. Contradictory and Unverifiable Information The account is categorized as " Collection '' but remains marked as " Open '' with a derogatory status. 

There is no " Original Creditor '' listed, leaving the source of the debt unverifiable.

Under FCRA Section 1681e ( b ), credit reporting agencies are required to maintain accurate and complete records. The conflicting details and lack of creditor information render this account unverifiable and inaccurate. 

2. Outdated and Inaccurate Payment Status Reporting The account lists a " Late 120 Days '' status as of XX/XX/year>. Reporting this delinquency past the allowable timeframe violates : FCRA Section 1681c ( a ) ( 4 ) : Adverse information, including delinquencies, must not be reported beyond seven years from the date of first delinquency. 

FCRA Section 1681i ( a ) ( 5 ) ( A ) : Unverifiable or outdated accounts must be promptly deleted.

3. Dispute Notation Without Resolution The account includes the notation " Consumer disputes this account information, '' yet no verification or resolution has been provided.

FCRA Section 1681s-2 ( b ) mandates that furnishers verify disputes or remove unverifiable data. 

The failure to resolve this dispute within the mandated timeframe constitutes a violation of FCRA Section 1681i ( a ) ( 1 ) ( A ). 

4. Date Inconsistencies The account dates conflict : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These discrepancies raise questions about the account 's accuracy and compliance with FCRA Section 1681e ( b ), which mandates precision in reporting.

5. Unverifiable Collection Account The account is identified as being with a " Factoring Company '' with no supporting evidence or validation of the debt. This violates : FCRA Section 1681s-2 ( b ), which requires furnishers to substantiate the validity of reported debts.

FDCPA Section 809 ( b ), which compels debt collectors to validate debts upon consumer request. 

Given the account 's unverifiable status, lack of original creditor information, and outdated reporting, it must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
Request payment history on all credit bureau to get all late payments updated to paid as agreed

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 2025-01-12 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: NY

Complaint narrative:
Request payment history on all credit bureau to get all late payments updated to paid as agreed

Company response to consumer: Closed with explanation