vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My personal and financial information was compromised without my authorization. The FTC protects the confidentiality of consumer information. Which was not upheld. My debts should be cancelled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX Date : XX/XX/XXXX Rent Recovery Solutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX RE : Formal Demand to Cease and Desist All Collection Activity and Remove All Credit Reporting Entries To Whom It May Concern, This letter is to formally notify you that I dispute the validity of the alleged debt you are reporting and demand that Rent Recovery Solutions immediately cease and desist all collection activities and communications regarding this matter.

Furthermore, I hereby demand that you remove any and all negative entries related to this alleged debt from all consumer credit reporting agencies to which you have reported, including but not limited to Equifax, Experian, and TransUnion.

Your continued reporting of this disputed debt constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Under these laws : 15 U.S.C. 1681s-2 ( b ) requires data furnishers to properly investigate disputes and remove inaccurate or unverifiable information.

15 U.S.C. 1692e ( 8 ) prohibits a debt collector from communicating false credit information, including failing to report a debt as disputed.

If you are unable to provide verifiable, documented evidence that this debt is valid and legally owed, you are required to delete the tradeline and notify all credit bureaus to which it was reported. 

Additionally, I refer you to the following case law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) holding that consumer reporting agencies must conduct reasonable investigations into disputed information. 

XXXXXX/XX/XXXXXXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) establishing liability under the FCRA for failing to properly investigate disputed debts. 

XXXX XXXX XXXX v. FTC, XXXX enforcing that furnishers of data must delete or correct inaccurate entries after dispute. 

Should you fail to comply with this demand, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's Office. I also reserve the right to pursue civil action for statutory damages, attorneys ' fees, and any other relief the court deems appropriate.

You are hereby notified to respond in writing within 15 calendar days of receipt of this letter with confirmation of the removal of all tradelines and the closure of this account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I recently discovered new inquiries on my credit profile that I did not authorize nor consent to. I believe multiple attempts to fraudulently access credit were made in my name. These inquiries need to be deleted immediately. XXXX XXXX- Opened XX/XX/year>. XXXX XXXX XXXX XXXX  ) Opened XX/XX/year>. XXXX ( XXXX ) Opened XX/XX/year>. XXXX XXXX XX/XX/year>. XXXX XXXX XXXX  Opened XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: GA

Complaint narrative:
Date of service : XX/XX/2024 Provider : XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX I went to XXXX on XXXX XXXX XXXX, in XXXX XXXX, GA on the above date for a post XXXX XXXX  and XXXX XXXXnd to receive a XXXX XXXX Prior to my visit I was told the cost would be, " Probably less that {$200.00}. '' I was there approximately 12 minutes, spoke with the doctor for less than 5 minutes, and did receive the shot. I was then referred to another doctor for follow-up.

About two months later I received a bill for {$1000.00}. Since that time I have spoken with XXXX 's accounting department who acknowledged the bill was incorrect, that they would have it adjusted, and send me another. Instead, the matter was referred to collections XXXX XXXX XXXX ( XXXX ). Despite XXXX saying they would contact XXXX and attempt to resolve the problem, they reported the matter to the credit bureaus. 

I have absolutely no problem paying for any legitimate services I received, but {$1000.00} is a far cry from the {$200.00} quoted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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 correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings. 

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX XXXX XXXX  XXXX * * * *, AXXXX XXXX XXXX XXXX  XXXX XXXX, CAPITAL XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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 this complaint against Equifax, Experian, and TransUnion for serious violations of the Fair Credit Reporting Act ( FCRA ) in relation to XXXX accounts XXXX from XXXX XXXX and XXXX from XXXX. 

These accounts were previously deleted from my credit reports after being disputed. However, all three bureaus have reinserted these accounts without providing the required written notice within five business days, as mandated under FCRA 1681i ( a ) ( 5 ) ( B ). There was no written certification from the furnishers ( XXXX XXXX and XXXX ), and I was never informed of the reinsertion. 

Additionally, when I disputed these accounts in the past, each bureau returned them as verified without providing : The method of verification The name and contact information of the entity that supposedly verified the account Any documentation supporting the validity of the data This violates FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires this information be provided to the consumer when requested or when a dispute is completed. 

Moreover, after my dispute, all three bureaus updated or modified the disputed information, which is illegal if the account has not been fully verified and if no reinvestigation has occurred with proper procedures. 

Because of these repeated failures, I have suffered real harm, including : Denials of credit card and loan applications Increased interest rates Damage to my creditworthiness and financial reputation Emotional distress from ongoing reporting of incorrect and harmful data Despite my final written notices demanding deletion and warning of legal action, the bureaus have continued to mishandle the accounts and violate my consumer rights under federal law. 
I am extremely frustrated and disappointed with how Equifax, Experian, and TransUnion have handled my credit information. I disputed XXXX accounts ( XXXX XXXX and XXXX ) that were previously removed from my credit reports, only to have them reappear later without any explanation or notice. I was not given proof of verification, no supporting documents, and no clear process was followed as required by law. This negligence has caused me to be denied credit, pay higher interest rates, and suffer financially and emotionally. 

I have tried to resolve this directly with all three credit bureaus through proper disputes and written requests, but they continue to violate my rights under the Fair Credit Reporting Act. I am now left with no choice but to escalate this to legal action and prepare for lawsuit if this situation is not resolved promptly and fairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

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 furnishers, 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 Experians inaction violates federal law and my rights as a consumer. 

XXXX XXXXXXXX XXXX  2021 {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SinglePoint GI
State: OH

Complaint narrative:
1. Validation of the Debt : A complete and itemized accounting of the alleged debt, including the original amount, all fees, interest, and charges. 
The name and address of the original creditor. 
A copy of the original agreement or contract bearing my signature that verifies my liability. 
2. Chain of XXXX ( also referred to as chain of assignment or ownership ) : Full documentation proving the legal transfer or assignment of the alleged debt from the original creditor to any intermediate entity and finally to your agency, General Revenue Corporation. 
Documentation verifying the authority of each party to collect or assign the debt. 
3. Proof of Licensing : XXXX that General Revenue Corporation is licensed to collect debts in the state of Ohio and any other jurisdiction involved. 
4. Notice of Violations ( if applicable ) : I also request that you address any potential violations under federal and state law, including but not limited to : Attempting to collect a debt without proper validation. 
Misrepresenting the character, amount, or legal status of the alleged debt. 
Threatening legal action that is not intended or legally permissible. 
Failing to clearly disclose consumer rights in your notice. 

Until these items are provided and verified, you must cease all collection activity on this account, including reporting this debt to any credit reporting agency, as continued collection activity without proper validation is a direct violation of the FDCPA also I had continuous phone calls before XXXX AM and they kept telling me I had a debt that they wanted to collect which in return I took it to abusive and threatening language

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NV

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation