vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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.

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: WI

Complaint narrative:
I am writing to formally dispute the collection account reported on my credit report by JEFFERSON CAPITAL SYSTEMS, which I believe to be inaccurate or unfairly reported. The details of the account in question are as follows : Jefferson capital Account : XXXX Date reported : XX/XX/year> I am requesting that the CFPB investigate this matter, as I believe the reported information is erroneous and has negatively impacted my credit profile. My reasons for disputing this account the following : 1. Lack of Validation- Under The Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. The collection agency has failed to provide sufficient proof that I owe this debt.

I kindly request that this collection account be removed from my credit report or, at the very least, corrected to reflect accurate information. Enclosed, I have attached copies of my credit report.

Please conduct a thorough investigation into this matter and provide a written response outlining the action taken. I appreciate your prompt attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
Heres a sample letter you can use to dispute the inaccurate information on your credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Dear XXXX XXXX , I am writing to formally dispute an inaccuracy on my credit report. According to the Fair Credit Reporting Act, I have the right to dispute incomplete or inaccurate information, and I request that this error be investigated and corrected promptly.

The inaccurate information is as follows : Account Name/Number : XXXX XXXX XXXX XXXX Inaccuracy : The report states that I have made 0 % of payments on time and that my payment status is 30-59 days late. However, the report also indicates that my amount past due is {$0.00} and that my last payment was made on XX/XX/XXXX. These details conflict, as a {$0.00} past due balance suggests the account is current and not late.

Please investigate this discrepancy and correct the inaccurate information on my credit report. Enclosed are supporting documents to help with your investigation [ Include any relevant documents, if available ].

I request that the corrected credit report be sent to me at the address listed above. Additionally, please provide me with written confirmation of your investigation results.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Make sure to customize the placeholders with your personal details and send the letter via certified mail for tracking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint Against Equifax for Denial of Free Credit Report To Whom It May Concern, I am writing to formally lodge a complaint against Equifax Information Services LLC for denying my right to access a free annual credit report as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681j. On [ insert date ], I requested my free annual credit report from Equifax through their platform. However, I was unable to access my report due to the status marked as FILE_BLOCKED_FOR_PROMOTIONAL_PURPOSES. This block directly violates my rights under the FCRA, which guarantees consumers free access to their credit reports annually and additional reports in cases of suspected fraud or identity theft. Despite my efforts to rectify this issue by contacting Equifax, my request has not been honored. This obstruction not only prevents me from reviewing my financial history but also jeopardizes my ability to detect potential fraudulent activities on my account. I am requesting the CFPB to investigate this matter and enforce compliance, ensuring that Equifax upholds its legal obligations to provide consumers with access to their credit reports. This denial of service is unacceptable and contrary to the protections granted to consumers under federal law. I have attached evidence of this issue, including screenshots and correspondence with Equifax. Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this violation of my consumer rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
I am filing a formal complaint against Equifax for failing to conduct a reasonable investigation into the disputes I have submitted regarding inaccuracies on my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours, asserting that the disputed account is accuratewithout providing any substantive evidence that a thorough investigation has been conducted. 

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to perform a reasonable investigation of disputed information. Additionally, Equifax 's conduct may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus recent administrative proceeding ( File No. XXXX ) against the company for similar infractions. 

I respectfully request that the CFPB take appropriate action to ensure Equifax adheres to federal law and provides consumers with adequate proof that a legitimate investigation has been conducted in response to credit report disputes. 


They have my Name inaccurately on the report as XXXX XXXX that I wish to be purged and permanently removed. 

They have my address inaccurately on the report as XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX that I wish to be purged and permanently removed. 

These are the accounts that I've marked as inaccurate 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 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 XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
I am filing a formal complaint against Equifax for failing to conduct a reasonable investigation into the disputes I have submitted regarding inaccuracies on my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours, asserting that the disputed account is accuratewithout providing any substantive evidence that a thorough investigation has been conducted. 

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to perform a reasonable investigation of disputed information. Additionally, Equifax 's conduct may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus recent administrative proceeding ( File No. XXXX ) against the company for similar infractions. 

I respectfully request that the CFPB take appropriate action to ensure Equifax adheres to federal law and provides consumers with adequate proof that a legitimate investigation has been conducted in response to credit report disputes. 


They have my Name inaccurately on the report as XXXX XXXX that I wish to be purged and permanently removed. 

They have my address inaccurately on the report as XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX that I wish to be purged and permanently removed. 

These are the accounts that I've marked as inaccurate 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 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 XXXX XXXX XXXX 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As i stated in previous complaint XXXX. 
I Can not access nor have they responded in a timely matter.

Then they send an Email to Reset password to account with a unresponsive or broken link. This is foul play.

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 2025-02-01 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:
I want to remove authorized users from my credit report. I have control over what goes on my report please remove the authorized user accounts below 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 2025-02-01 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: GA

Complaint narrative:
I am submitting this formal complaint to request an immediate and thorough investigation into what I believe to be erroneous reporting of a XXXX XXXX  account on my credit report, account number XXXX. 

Reported Account Details : Account Name : XXXX XXXX  Account Number : XXXX Reported Balance : {$7000.00} Status : Closed, with {$920.00} reported as past due as of XX/XX/year>. 
Nature of Discrepancies : This account listing shows several discrepancies, including inaccurate delinquency reporting and the unwarranted charge-off status : Inaccurate Delinquency Reporting : The credit report indicates delinquencies and a status of 120 days past due in XX/XX/year>, which I firmly dispute. 

Under the Fair Credit Reporting Act, specifically Sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), consumers have the right to challenge inaccurate information in their credit reports, and furnishers of information are required to correct or delete inaccurate, incomplete, or unverifiable information.

Requested Actions : Conduct a detailed investigation to verify the accuracy of the account information listed under XXXX XXXX  account number XXXX. 
Should this investigation fail to verify the account information accurately, pursuant to FCRA Section 611, require the immediate removal of this account from my credit report.

Review the procedures that allowed this inaccurate data to be reported and ensure compliance with consumer protection laws.

Provide me with written documentation of your findings and the actions taken in response to this dispute.

Attached are copies of documents that support my claim. This information demands prompt and rigorous attention to prevent further damage to my credit and financial standing.

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 2025-02-01 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: Westlake Services, LLC
State: NY

Complaint narrative:
I have been the victim of identity fraud and the following credit inquiries were made fraudulently on my behalf in an attempt to establish a new credit card or loan from the following lenders : Lender : XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/year> Lender : XXXX XXXX Inquiry date XXXX XX/XX/year> Lender : XXXX  Inquiry date : XX/XX/year> Lender : XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX Inquiry XXXX : XX/XX/year> Lender : XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX/XXXX  XXXX  XXXX Inquiry date : XX/XX/year> XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/year> Lender XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX date : XX/XX/year> Lender : XXXX  XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX - XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX Inquiry date : XX/XX/year> Lender : XXXX Inquiry date : XX/XX/year> XXXX : XXXX  XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/year> Lender : XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/year> XXXX : XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX  XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Lender : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Lender : XXXX XXXX  Inquiry XXXX XXXX XX/XX/year> Lender : XXXX XXXXXXXX  Inquiry date XXXX XX/XX/year> XXXX : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXXXXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Lender : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX Inquiry date : XX/XX/year> XXXX : XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX  XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/year> Lender : XXXX XXXX XXXX  Inquiry date : 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 2025-02-01 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Columbia debt recovery LLC dba Did not reach out to me before sharing my information with credit bureaus. Violating Law 15 US Code 1681s-3 Companies must clearly and conspicuously disclose that they are trying to share information. Consumers must be given the opportunity and a simple method to prohibit the sharing of their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
well i had some otgher paper work they sent to me sayying if my XXXX  accout got hack they pay but they never did anything .im sending it now to go with my other paperwork

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 2025-02-03 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: Global Lending Services LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, Re : Dispute of Credit Report Information and Alleged Non-Compliance under Section 1681O of the Fair Credit Reporting Act I am writing to formally dispute the information listed on my credit report, which I believe is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681O. This section pertains to the responsibility of consumer reporting agencies to maintain accurate and complete information, and I believe there has been a negligent failure to comply with the reporting requirements in my case.

Details of the Dispute : Hard Inquiries 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 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 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/year> my wife and I went into the bank and spoke with a customer service representative about depositing a cashier 's check in the amount of {$8500.00} from a local credit union. We were informed that the funds would be available next day. Later that day, they put a hold on the check until XX/XX/year>. On XX/XX/year>, we went back to the bank and spoke with the manager on duty. As she looked into the details more, she said that the reason for the hold was " confidential '' and that she could not release the funds, and our only option was to wait for the hold to be complete. They had no reasoning for the hold, and did not attempt to try to verify the funds or assist in any other way. We do not fall into the typical category for holding of cashier 's checks such as frequent overdrafts, etc.

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 monetary relief
Consumer complaint received 2025-02-02 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: MN

Complaint narrative:
Experian, Trans Union, Equifax just puts things on my account with NO accountability. reported a collection account to my report and they actually owe me money. How can they just put collection accounts on a credit report with no evidence?? This is not acceptable These companies receive money for allowing them to ruin credit.I have several accounts that are old and they allow collection companies to keep these active. They do not meet the statute of limitation laws,

Company response to consumer: Closed with explanation