vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have asked all three credit agencies to investigate XXXX XXXX XXXX. They have reported charge off every month for a year in payment status.. section XXXX I notified Equifax Experian and transuion they needed to investigate and notify the furnished and they did a lousy job. That harmed me and I'm suing them. XXXX XXXX reported the status as charge off multiple consecutive months which is inaccurate reporting. For the fcra reporting standards and XXXX XXXX believes this to be acceptable. I have reported this in disputed and they failed to investigatea reasonable and are still reporting inaccurate information.

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 2025-03-10 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer. 
For the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The loan with XXXX  was open XX/XX/XXXX in the amount of {$23000.00}. The last payment was made on XX/XX/XXXX. On XX/XX/XXXX the the loan was closed and the Balance of {$3800.00} was written off as a profit and loss.. In XXXX of XXXX I requested a copy of my 1099c form, and haven't received it as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: LA

Complaint narrative:
The loan with XXXX  was open XX/XX/XXXX in the amount of {$23000.00}. The last payment was made on XX/XX/XXXX. On XX/XX/XXXX the the loan was closed and the XXXX of {$3800.00} was written off as a profit and loss.. In XXXX of XXXX I requested a copy of my 1099c form, and haven't received it as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The loan with XXXX  was open XX/XX/XXXX in the amount of {$23000.00}. The last payment was made on XX/XX/XXXX. On XX/XX/XXXX the the loan was closed and the Balance of {$3800.00} was written off as a profit and loss.. In XXXX of XXXX I requested a copy of my 1099c form, and haven't received it as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
I order a pair of boots with my debit card from cash app, on XX/XX/XXXX. XXXX never delivered the item, it was supposed to be delivered by XXXX XXXX. I never received the item, I contacted the seller and she sent proof from her side that she filled out the claim that was opened. No refund was ever issued by XXXX they just give me the runaround. XXXX for some reason denied the claim. So I dispute it twice with cash app, with proof that I never received the item and was denied both times. I dont think it is right at all and seems like they deny disputes all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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 am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: TX

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. Please see the attached file for this concern. Please see the attached file.

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 2025-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
These companies are reporting late payments on my credit reports for accounts that have been either closed or charged off. Despite my efforts to resolve this matter through direct communication with each of these institutions, they have failed to correct the reporting errors.

Additionally, I have not received the required IRS Form 1099-C for any canceled debt associated with these accounts. The absence of this form has prevented me from properly addressing the matter on my tax filings.

Due to their failure to rectify the situation, I have taken the step of reporting these institutions to the IRS for non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: SLM CORPORATION
State: GA

Complaint narrative:
These companies are reporting late payments on my credit reports for accounts that have been either closed or charged off. Despite my efforts to resolve this matter through direct communication with each of these institutions, they have failed to correct the reporting errors. 

Additionally, I have not received the required IRS Form XXXX for any canceled debt associated with these accounts. The absence of this form has prevented me from properly addressing the matter on my tax filings. 

Due to their failure to rectify the situation, I have taken the step of reporting these institutions to the IRS for non-compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was informed that my personal information was exposed under a security data breach and have since noticed erroneous entries on my personal credit report that were placed there without my consent. The false and erroneous entries are from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I was informed that my personal information was exposed under a security data breach and have since noticed erroneous entries on my personal credit report that were placed there without my consent. The false and erroneous entries are from the following companies : 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request the removal of negative information from my credit report that has exceeded the seven-year reporting limit, as specified by the Fair Credit Reporting Act ( FCRA ).

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 2025-03-10 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: PA

Complaint narrative:
I previously disputed multiple inaccurate accounts with Experian, Equifax, and TransUnion, but they failed to provide the required procedural verification under FCRA 611 ( a ) ( 7 ). Despite claiming the accounts were verified, they did not supply original signed agreements, billing statements, or XXXX XXXX compliance records, violating FCRA 609 ( a ) ( 1 ) ( A ). Since unverifiable data must be deleted under FCRA 623 ( a ) ( 1 ) ( B ), I demand the immediate removal of these accounts and hard inquiries. If this is not resolved promptly, I will escalate my complaint to the FTC, my State Attorney General, and pursue legal action for willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: PA

Complaint narrative:
I previously disputed multiple inaccurate accounts with Experian, Equifax, and TransUnion, but they failed to provide the required procedural verification under FCRA 611 ( a ) ( 7 ). Despite claiming the accounts were verified, they did not supply original signed agreements, billing statements, or XXXX XXXX compliance records, violating FCRA 609 ( a ) ( 1 ) ( A ). Since unverifiable data must be deleted under FCRA 623 ( a ) ( 1 ) ( B ), I demand the immediate removal of these accounts and hard inquiries. If this is not resolved promptly, I will escalate my complaint to the FTC, my State Attorney General, and pursue legal action for willful 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 2025-03-10 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: PA

Complaint narrative:
I previously disputed multiple inaccurate accounts with Experian, Equifax, and TransUnion, but they failed to provide the required procedural verification under FCRA 611 ( a ) ( 7 ). Despite claiming the accounts were verified, they did not supply original signed agreements, billing statements, or XXXX XXXX compliance records, violating FCRA 609 ( a ) ( 1 ) ( A ). Since unverifiable data must be deleted under FCRA 623 ( a ) ( 1 ) ( B ), I demand the immediate removal of these accounts and hard inquiries. If this is not resolved promptly, I will escalate my complaint to the FTC, my State Attorney General, and pursue legal action for willful 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 2025-03-10 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: TX

Complaint narrative:
I am writing to formally lodge a complaint against Equifax for failing to correct inaccurate information on my credit report despite clear evidence supporting its removal. This issue violates my rights under the Fair Credit Reporting Act ( FCRA ) and relevant Texas state consumer protection laws. 

Key Points of 15 U.S.C. 1681e ( b ) - Accuracy of Report Duty of Accuracy : Consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they provide in consumer reports.

Purpose : This ensures that the information contained in credit reports is fair, accurate, and reflective of the consumers true financial status.

Reasonable Procedures Standard : The law does not require absolute perfection but mandates that agencies take reasonable steps to avoid errors.

Liability : If a consumer suffers harm due to inaccurate information caused by negligent or willful non-compliance with this standard, the consumer reporting agency may be held legally responsible. 

Summary of Dispute and Violation On XX/XX/2025, XXXX completed their investigation into disputed accounts that I had previously identified as inaccurate and erroneous. XXXX determined that the following accounts were indeed incorrect and removed them from my credit file : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Both accounts were deleted from my XXXX report, confirming their invalidity. However, Equifax continues to report these accounts despite being presented with the same evidence that resulted in their removal by XXXX. 

Violation of My Consumer Rights Equifaxs failure to remove these erroneous entries violates the following consumer protection laws : XXXX. Fair Credit Reporting Act ( FCRA ), Section 611 Under this law, credit bureaus are required to conduct a reasonable investigation when a consumer disputes inaccurate information. Equifaxs failure to remove these accounts after a thorough review by XXXX demonstrates a failure to meet this legal obligation. 
XXXX. FCRA, Section 623 Data furnishers must ensure they provide accurate information to credit bureaus. Since XXXX has already verified these entries as inaccurate, Equifax is now knowingly reporting false information. 
XXXX. Texas XXXX XXXX XXXX XXXX XXXX XXXX Texas law, consumers are protected from credit bureaus reporting inaccurate information without proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-10 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: Mercedes Benz Financial Services
State: MD

Complaint narrative:
Mercedes Benz repossessed my vehicle without resolving my issue of fraudulently adding additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I applied for a credit card with XXXX XXXX XXXX, but I never received the first card. After notifying XXXX that I did not receive it and requesting a replacement, I later discovered a delinquent balance of $ XXXX balance I never authorized or used. I have no knowledge of where these charges originated. This fraudulent activity has severely impacted my credit and financial standing. XXXX, XXXX, Experian and XXXX are all reporting this account with a balance that is not mine. My identity has been stolen, and I have taken the necessary steps to report this crime, including filing a complaint with the FTC and XXXX XXXX police department.

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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint regarding the inaccurate item on my account that continues to impact my credit score negatively. Despite me trying to resolve this directly with the reporting agency it remains unresolved I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history. This account would be XXXX XXXX XXXX Ive tried to dispute XX/XX/year>. XXXX did nothing to properly investigate this alleged debt owed. I know XXXX is under investigation for XXXX. I invoke 15 U.S.C 1681C

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NY

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX BALANCE {$0.00} XXXX XXXX XXXX BALANCE {$0.00} XXXX XXXX  BALANCE {$65.00} XXXX XXXXXXXX BALANCE {$8600.00} XXXX XXXXXXXX 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