vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: AZ

Complaint narrative:
Got it! Ill create a powerful dispute letter for Civility ( non-compliance ) regarding inaccurate or unverifiable information on your credit report. 



[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX AZ, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Subject : Formal Dispute for Non-Compliance Request for Immediate Deletion of Inaccurate Information Dear [ XXXX ] I am writing to formally dispute and demand the removal of an item currently being reported on my credit file. After reviewing my credit report, I discovered that there is an entry associated with Civility that I believe is inaccurate, unverified, and in violation of federal compliance laws under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of any information contained in their credit report, the credit reporting agency must conduct a proper investigation and verify the information within 30 days. If the creditor fails to provide verifiable proof of the debt or item within that time frame, the item must be permanently deleted from my credit file.

At this time, Civility has failed to provide verifiable documentation proving the validity of the debt in compliance with the FCRA, which constitutes a clear non-compliance issue. Therefore, I am demanding the immediate deletion of this account from my credit report as required by law.

I am requesting that you : Immediately delete the Civility account from my credit report due to their failure to comply with federal guidelines.

Provide me with written confirmation of the deletion once it has been completed.

Failure to comply with this request will result in me escalating this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing legal action for willful non-compliance under 15 U.S. Code 1681n.

Thank you for your prompt attention to this matter. Please send written confirmation of the deletion within 30 days of receiving this letter. Should you have any questions or require additional information, I can be reached at the contact information provided above. 

Sincerely, [ 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 2025-03-09 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: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

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 unsolved.I request investigation and removal of these items, as it incorrect and does not reflect my true credit history.

UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 15U.S.C 6802, FRAUDULENT ACCOUNTS ARE TO BE REMOVED FROM THE CREDIT REPORT! 

-Credit Collections ( XXXX ) opened on XX/XX/year> for the amount of {$390.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX opened on XX/XX/year> for the amount of {$440.00} THOSE ACCOUNTS ABOVE DO NOT BELONG TO ME. PLEASE REMOVE/DELETE!

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 2025-03-09 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: AL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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 am writing to formally notify you of a serious issue involving the unauthorized and fraudulent use of my identity. An account has been opened in my name without my consent, and I have no knowledge of, nor have I authorized, any such activity. This is a clear case of identity theft, and it has compromised my personal and financial security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
I am writing to formally notify you of a serious issue involving the unauthorized and fraudulent use of my identity. An account has been opened in my name without my consent, and I have no knowledge of, nor have I authorized, any such activity. This is a clear case of identity theft, and it has compromised my personal and financial security.

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 2025-03-09 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: OR

Complaint narrative:
So about XXXX  years ago I went to a XXXX to get a car. I had heard good things about them not taking advantage of young people like me. I was a XXXX XXXX XXXX girl that had absolutely no guidance, no support and no protection going into this. Knowing my credit wasnt high I didnt think Id get approved for much. But I did. I got approved for a XXXX XXXX XXXX  with XXXX miles on it. It was cute and I was happy I could even purchase a car. I was approved by XXXX XXXX XXXX at a 28 % interest rate for 74 months. Not knowing that a 10 % interest rate was considered high for a car let alone a 28 % interest rate, I signed the paperwork. I asked the young man helping me at XXXX if 28 % was high and he responded with its a little high but you can refinance no problem in 6 months. But he knew I wouldnt be able to do that. No bank, no dealership, no human being with experience in purchasing a car would buy a XXXX XXXX for more than {$16000.00}. XXXX XXXX XXXX has it listed between {$2000.00} - {$5000.00}. 

On XX/XX/XXXX I paid my first payment of {$490.00} of many. I had put a {$700.00} down payment on the car at the time of purchase because that was literally all I had. I was loaned by American Credit Acceptance more than {$17000.00} for this car. With a 28 % interest if I stay on this path I will have paid more than {$35000.00} towards this car. Not to mention the full coverage insurance I pay as well. I called ACA asking them how much of my {$490.00} was actually going to the principal amount of the car. Only {$190.00} a month is going to the principal amount. The rest to interest. Ive taken all the information to the bank and they wont refinance it because the percentage is too high on their end. No car dealership will do a trade/ sale because of the massive amount on negative equity. Now I could just put a down payment on another car. But every car dealership Ive gone to, corporate or local has said a minimum of {$10000.00} would need to go down just to get out of this nightmare with ACA. I dont have {$10000.00} to put down. Most people dont. 

Something else Id like to bring to light is the fact that American Credit Acceptance has been involved in many class action lawsuits for predatory lending practices and improper repossessions. So how could XXXX work with a company that is involved in all of these legal battles that they have admitted to wrong doing on their end sell me this car with this lender? How could they sign a XXXX XXXX XXXX girl up to pay {$35000.00} in a span of 74 months on a car that is only valued at {$5000.00} when I was only making {$3000.00} a month at the time? {$30000.00} a year after taxes if I was lucky.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
the accounts below are all paid already but i noticed that the reports are different throughout the months of them being open. Which could have been hacked without noticing even the balances XXXX  Account ( XXXX ) XXXX  XXXX account : ( XXXX & XXXX ) XXXX XXXX XXXX XXXX XXXX account ( XXXX ) XXXX  account ( XXXX ) XXXX  account ( XXXX ) these last three accounts i dont recognize at all XXXX Account ( XXXX ) XXXX Account ( XXXX ) XXXX XXXX Account ( 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 2025-03-09 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:
the accounts below are all paid already but i noticed that the reports are different throughout the months of them being open. Which could have been hacked without noticing even the balances XXXX  Account ( XXXX ) XXXX  XXXX account : ( XXXX & XXXX ) XXXX XXXX XXXX XXXX XXXX account ( XXXX ) XXXX  account ( XXXX ) XXXX  account ( XXXX ) these last three accounts i dont recognize at all XXXX Account ( XXXX ) XXXX Account ( XXXX ) XXXX XXXX Account ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-09 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: SC

Complaint narrative:
I am writing to address the unfair reporting of late payments by Experian, Equifax, and Transunion. Below I have listed XXXX accounts that are reporting inaccurately and should reflect being paid as agreed. 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b 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. 
I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: SC

Complaint narrative:
I am writing to address the unfair reporting of late payments by Experian, Equifax, and Transunion. Below I have listed XXXX accounts that are reporting inaccurately and should reflect being paid as agreed. 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b 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. 
I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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:
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 unsolved.I request investigation and removal of these items, as it incorrect and does not reflect my true credit history.

UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 15U.S.C 6802, FRAUDULENT ACCOUNTS ARE TO BE REMOVED FROM THE CREDIT REPORT! 

-Credit Collections ( XXXX ) opened on XX/XX/year> for the amount of {$390.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX opened on XX/XX/year> for the amount of {$440.00} THOSE ACCOUNTS ABOVE DO NOT BELONG TO ME. PLEASE REMOVE/DELETE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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 following CLOSED ACCOUNT on my credit report : XXXX XXXX XXXX XXXX is reporting on XX/XX/year> for the amount of {$4500.00}. Under the Fair Credit Reporting Act ( FCRA ), Section ( 15 U.S.C. XXXX1692g ) ( 15 U.S.C. ~ 1635 ), YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-03-09 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-03-09 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:
I hope you're doing well. I'm writing because theres an issue on my credit report that needs to be corrected as soon as possible. Theres some information on there that isnt mine, and its affecting my credit in ways it shouldnt be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: CA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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