vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
This letter constitutes my final formal notice regarding the inaccurate late payment currently reported on my credit file and your agencys continued noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite multiple previous disputes, you have continued reporting this negative information without providing any supporting documentation to substantiate its accuracy. A generic verified response does not fulfill your legal obligation to conduct a reasonable reinvestigation under FCRA 1681i.

Additionally, your agency is in violation of FCRA 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy of consumer information. Your ongoing failure to remove unverified data and refusal to provide original documentation amounts to willful noncompliance. 

You are hereby given XXXX days from the date of this letter to provide the following : Complete and original documentation from the creditor validating the alleged late payment ; A detailed account of your reinvestigation process, including verification sources ; Immediate deletion of the disputed item if it can not be fully verified with substantive and original evidence. 

As further support, I refer you to recent enforcement actions brought by the Consumer Financial Protection Bureau ( CFPB ), including the XX/XX/year> lawsuit against Experian for mishandling consumer disputes and reporting inaccurate information. Your conduct mirrors the deficiencies cited in that case and reinforces my grounds for legal action. 
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 2025-05-22 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: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act I am writing to formally dispute several inaccurate and potentially unverifiable items currently appearing on my credit report. This dispute is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), Section XXXX, which allows consumers to dispute inaccurate information and requires credit reporting agencies to conduct a reasonable investigation. The following accounts appear on my credit report and are being disputed on the grounds of inaccuracy, unverifiability, or incomplete reporting : 1. XXXX XXXX XXXX XXXX XXXX XXXX : {$1000.00} 2. Discover Bank Reported Balance : {$730.00} 3. XXXX Reported XXXX : {$120.00}, 4. XXXX  Reported Balance : {$13000.00} I am requesting that your agency perform a full investigation into each of these accounts. Please verify the accuracy and validity of the reported debts. If these accounts can not be verified within XXXX days as required by the FCRA, they must be removed from my credit file. Additionally, I request that you notify me of the results of your investigation in writing, and if any changes are made to my report, that I be provided with a free, updated copy of my credit report reflecting those changes. Please consider this letter a formal dispute. I have also enclosed a copy of my identification ( e.g., drivers license and utility bill ) to verify my identity, in compliance with your investigation process. I appreciate your prompt attention to this matter. I look forward to your response within the XXXX timeframe mandated by federal law.

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 2025-05-22 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: DISCOVER BANK
State: IN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act I am writing to formally dispute several inaccurate and potentially unverifiable items currently appearing on my credit report. This dispute is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), Section 611, which allows consumers to dispute inaccurate information and requires credit reporting agencies to conduct a reasonable investigation. The following accounts appear on my credit report and are being disputed on the grounds of inaccuracy, unverifiability, or incomplete reporting : 1. XXXX XXXX XXXX XXXX XXXX XXXX : {$1000.00} 2. Discover Bank Reported Balance : {$730.00} 3. XXXX Reported Balance : {$120.00}, 4. XXXX Reported Balance : {$13000.00} I am requesting that your agency perform a full investigation into each of these accounts. Please verify the accuracy and validity of the reported debts. If these accounts can not be verified within XXXX days as required by the FCRA, they must be removed from my credit file. Additionally, I request that you notify me of the results of your investigation in writing, and if any changes are made to my report, that I be provided with a free, updated copy of my credit report reflecting those changes. Please consider this letter a formal dispute. I have also enclosed a copy of my identification ( e.g., drivers license and utility bill ) to verify my identity, in compliance with your investigation process. I appreciate your prompt attention to this matter. I look forward to your response within the XXXX timeframe mandated by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: WI

Complaint narrative:
The company has reported deaths of a medical nature that are affecting my credit score. A recent law was passed to where medical debts should be removed for any credit reporting that would affect the detours credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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 am requesting the immediate removal of these fraudulent accounts from my credit report, as I did not authorize them and was unaware of their existence. In accordance with USC 1681g, please delete them within 15 days. Supporting documents are enclosed.

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 2025-05-21 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-22 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: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act I am writing to formally dispute several inaccurate and potentially unverifiable items currently appearing on my credit report. This dispute is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), Section 611, which allows consumers to dispute inaccurate information and requires credit reporting agencies to conduct a reasonable investigation. The following accounts appear on my credit report and are being disputed on the grounds of inaccuracy, unverifiability, or incomplete reporting : 1. Sunrise Credit Services XXXX XXXX XXXX : {$1000.00} 2. XXXXXXXX XXXX XXXX Balance : {$730.00} 3. XXXX  Reported Balance : {$120.00}, 4. XXXX Reported Balance : {$13000.00} I am requesting that your agency perform a full investigation into each of these accounts. Please verify the accuracy and validity of the reported debts. If these accounts can not be verified within XXXX days as required by the FCRA, they must be removed from my credit file. Additionally, I request that you notify me of the results of your investigation in writing, and if any changes are made to my report, that I be provided with a free, updated copy of my credit report reflecting those changes. Please consider this letter a formal dispute. I have also enclosed a copy of my identification ( e.g., drivers license and utility bill ) to verify my identity, in compliance with your investigation process. I appreciate your prompt attention to this matter. I look forward to your response within the XXXX timeframe mandated by federal law.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance

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 2025-05-21 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: CA

Complaint narrative:
Equifax is reporting a late payment on XXXX XXXX XXXX, account ending XXXXXXXX XXXX XXXX XXXX XXXX, dated XX/XX/year>, with a balance of {$1800.00}. I dispute this late payment as inaccurate and potentially a result of errors or systemic reporting failures. Under the Fair Credit Reporting Act, Equifax must ensure accuracy in consumer credit reporting and conduct a reasonable and timely reinvestigation when an item is disputed. Recent findings from the Consumer Financial Protection Bureau ( CFPB ) have revealed that Equifax has failed to perform adequate investigations in multiple cases, violating federal law under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681 ( a ) ( 5 ). 

The incorrect reporting of this late payment entry causes undue financial and emotional stress and harms my creditworthiness. Given these concerns and the potential for data breaches affecting reporting accuracy, I request that Equifax take immediate action to review and update this information in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/year>, I noticed a collection account from Jefferson Capital Systems on my credit report that I do not recognize or authorize. I have never opened an account with this company, nor have I received any communication or documentation from them regarding this alleged debt. 

The account appeared without warning and is negatively affecting my credit. I immediately disputed it with the credit bureau and requested verification, but I have not received any evidence that proves the account is valid or that I am responsible for it. 

This may be a case of identity theft or reporting error, and I am requesting that Jefferson Capital Systems and the credit bureau investigate this matter thoroughly and remove the account if it can not be fully verified with supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA 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 XXXX. 

Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NJ

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

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 2025-05-22 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting a hard inquiry from XXXX XXXX dated XX/XX/year> on my credit report. I am disputing this inquiry because I did not authorize or initiate any credit application with XXXX XXXX on or around that date. Hard inquiries can negatively impact my credit score and financial standing, so it is critical that only authorized inquiries are reported. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies like Experian are required to ensure that all inquiries listed on my report are accurate and authorized by me. 

Given the increase in data breaches and unauthorized use of consumer information, I am concerned that this inquiry may be the result of such a breach or an error in reporting. The presence of unauthorized inquiries not only causes emotional stress but also unjustly lowers my creditworthiness, which affects my ability to obtain credit on reasonable terms.

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 2025-05-22 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: MI

Complaint narrative:
The personal information on my credit report were outdated.

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