vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
The account is reporting on my XXXX credit report as a debt I never had this account or open this account this is a fraudulently account I need this account removed it causing me stress I cant purchase a home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Evictions when I moved out do roaches and needles in the apartment. Old negative things on the 3 credit bureaus that the bureau keep putting on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested that Experian Credit Bureau investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX.Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts are not mine i demand that my report reflects true and accurate information under FCRA law usc 1681

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 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kovo
State: MI

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: IL

Complaint narrative:
Data breach reporting wrong information and even information about where I live still sitting on the report

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 2025-03-01 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: IL

Complaint narrative:
Data breach reporting wrong information and even information about where I live still sitting on the report

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 2025-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX regarding its failure to conduct a proper investigation into inaccuracies on my credit report. I have submitted three separate dispute letters to XXXX, yet they have failed to adequately investigate and correct the errors as required under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts, the inaccuracies remain on my report, negatively affecting my credit score and financial well-being.

Below is a summary of the inaccurate information I have repeatedly disputed with XXXX : [ PNC ] - Account # XXXX & [ XXXX XXXX XXXX ] - Account # XXXX 1. account opened XX/XX/XXXX and no data is reported 2. account closed XX/XX/XXXX but reports that i was only 30 days late, which one is it?

a. if i was 30 days late XX/XX/XXXX, then how was then on XX/XX/XXXX i should be 60 days late b. account closed XX/XX/XXXX but charged off XX/XX/XXXX & still reporting date ; that is impossible has to be either or 3. XXXX is reporting that the account is closed but XXXX states that i have a {$0.00} balance and is in good standing 4. opened XX/XX/XXXX this alleged debt has surpass the 7 years of report that is required by the FCRA and should have been off my account XX/XX/XXXX 5. last activity not matching other credit bureaus 6. based off my credit report from XXXX XXXX XXXXas not reported any data but they sent me a investigation with data reporting 7. there is no monthly balance ; if this alleged debt is relating to a credit card then i should have a monthly balance 8. XXXX on XXXX  has no data, the data XXXX sent me has late payments, but XXXX states i made 40 % of on time payments. all bureaus have to have the same data 9. this alleged debt and my personal information was shared w/o my consent to XXXX XXXX XXXX  agency ; which means all XXXX XXXX information should be similar or exact to PNC ; yet the information is different 10. XXXX XXXX has been trying to collect and has collected money on a closed account I requested a thorough investigation to be completed and despite providing supporting documentation with each dispute letter, XXXX and XXXX XXXX  have failed to remove or properly verify the incorrect information. If a proper investigation were actually conducted then all these inaccuracies will not be able to be reported. Their failure to conduct a thorough investigation and provide me with a reasonable resolution violates my rights under the FCRA. 

Please find attached copies of my previous dispute letters, supporting documentation, and any responses received from XXXX and XXXX XXXX. I appreciate your prompt attention to this matter and look forward to your assistance in resolving these inaccuracies. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kikoff Inc.
State: NY

Complaint narrative:
It's serval companies taking money out of my account with my concent. XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX kickoff

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX I PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Send a report in complaint in and 45 days later get the same answer that I got the last time I asked for it to be cleared up

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Information is missing in the credit bureau is errors and didn't report and some information it's an accurate and I want him to be deleted out of my credit report because it doesn't doesn't matter the information and another credit bureaus it shows a late payments and some of them some of them don't and I want them to be fixed

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 2025-03-01 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-01 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: VA

Complaint narrative:
After having disputed incorrect late payments on my XXXX XXXX XXXX account with Experian And TransUnion multiple times with no resolve, I disputed again with full documentation on my end as well as a request for proof of all late payments. Experian continues to respond to my disputes without providing information and proof I have requested and having not corrected clearly inaccurate payment status, I have statements to show payments were made on time.

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 2025-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Reporting Demand for Deletion Dear to whom this may concern, I am writing to formally dispute the inaccurate reporting of the XXXX account on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to report only accurate and verifiable information. This account has been incorrectly reported and must be removed immediately. 

Disputed Inaccuracies : 1. Failure to Provide Verification Despite my repeated requests, neither XXXX nor the credit bureaus have provided me with proper documentation proving the accuracy and ownership of this debt. Under FCRA 609 ( a ) ( 1 ), I have the right to request all records and documentation used to verify the debt. Since no legally sufficient proof has been provided, the account must be deleted.

2. Inconsistent and Incorrect Payment History The reported payment history contains multiple inaccuracies : The charge-off was reported inconsistently over several months, failing to follow the standard 30-60-90-day delinquency process.

The account status contradicts itself by showing past due balances despite being marked as charged off.

The reporting dates are inconsistent and unreliable, violating FCRA 1681s-2 ( b ).

3. Violation of FCRA 623 ( a ) ( 3 ) Duty to Provide Accurate Information This account is being reported as an outstanding balance despite being charged off. This is misleading and a direct violation of the FCRA.

Since the information reported is incomplete and unverifiable, it must be corrected or deleted as per FCRA 1681i ( a ) ( 5 ) ( A ).

Demand for Immediate Resolution :. Delete and permanently block the XXXX account from my credit report. 
Provide me with a written statement confirming the deletion within 10 days of receiving this letter. 
Cease further reporting of this inaccurate information to any credit bureau. 

Failure to comply with this request will leave me no choice but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory agencies. I am fully prepared to seek legal action for damages under FCRA 1681n and 1681o for willful and negligent noncompliance. 

This letter serves as my final request for resolution before I proceed with legal action. Please investigate this matter immediately and send me written confirmation of your compliance within the legally required timeframe. 

Sincerely, 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 2025-03-01 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Reporting Demand for Deletion Dear to whom this may concern, I am writing to formally dispute the inaccurate reporting of the XXXX/BRIDGECREST account on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to report only accurate and verifiable information. This account has been incorrectly reported and must be removed immediately. 

Disputed Inaccuracies : 1. Failure to Provide Verification Despite my repeated requests, neither XXXX/BRIDGECREST nor the credit bureaus have provided me with proper documentation proving the accuracy and ownership of this debt. Under FCRA 609 ( a ) ( 1 ), I have the right to request all records and documentation used to verify the debt. Since no legally sufficient proof has been provided, the account must be deleted. 
2. Inconsistent and Incorrect Payment History The reported payment history contains multiple inaccuracies : The charge-off was reported inconsistently over several months, failing to follow the standard 30-60-90-day delinquency process.

The account status contradicts itself by showing past due balances despite being marked as charged off.

The reporting dates are inconsistent and unreliable, violating FCRA 1681s-2 ( b ). 
3

. Violation of FCRA 623 ( a ) ( 3 ) Duty to Provide Accurate Information This account is being reported as an outstanding balance despite being charged off. This is misleading and a direct violation of the FCRA. Since the information reported is incomplete and unverifiable, it must be corrected or deleted as per FCRA 1681i ( a ) ( 5 ) ( A ).

Demand for Immediate Resolution :. Delete and permanently block the XXXX/BRIDGECREST account from my credit report.

Provide me with a written statement confirming the deletion within 10 days of receiving this letter. 
Cease further reporting of this inaccurate information to any credit bureau. 

Failure to comply with this request will leave me no choice but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory agencies. I am fully prepared to seek legal action for damages under FCRA 1681n and 1681o for willful and negligent noncompliance. 

This letter serves as my final request for resolution before I proceed with legal action. Please investigate this matter immediately and send me written confirmation of your compliance within the legally required timeframe. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

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 2025-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services
State: TX

Complaint narrative:
I got a truck financed through Landmark Financial Services LLC. I've been paying on time and didn't really look into it until now and they are charging me 30 % interest rate. My latest payments only {$60.00} went to principal and the rest has been all interest. I believe this company is using unfair practices to get more money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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 am requesting an investigation into an account on my credit report that may violate federal consumer protection laws. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information in my file. This account appears to have been reported without proper authorization, and I am requesting validation. If it can not be fully verified with supporting documentation, it should be removed immediately. Please review this inaccuracy and provide written confirmation of your findings and any corrective actions taken.

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