vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 2025-03-25 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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.

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following personal information is incorrect XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report Please remove it from my credit report 15 U.S.C 1681 Section 602 A. States any consumer has the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without prior consumer 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 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 2025-03-25 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$720.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$670.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$720.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$670.00}

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 non-monetary relief
Consumer complaint received 2025-03-25 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:
Re : Account Name : XXXX Account Number : XXXX Subject : Willful Noncompliance with FCRA Inconsistent Credit Reporting To Whom It May Concern, I am formally disputing the continued reporting of the above-referenced account, which has already been deleted by XXXX and XXXX. Enclosed, you will find proof of these deletions. The fact that [ Credit Bureau Name ] continues to report this account despite its removal from other major credit bureaus is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and constitutes willful noncompliance under 15 U.S.C. 1681n.

Legal Violations & Case Law Supporting My Dispute 1. Failure to Maintain Accurate and Consistent Credit Reporting The FCRA 15 U.S.C. 1681e ( b ) requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) established that credit bureaus XXXX be held liable for failing to update or remove inaccurate information. 



XXXX. Failure to Verify the Accuracy of the Disputed Account The continued reporting of an account that XXXX and XXXX have already determined to be unverifiable and removed suggests that [ Credit Bureau XXXX ] is failing to conduct proper data validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ruled that if one credit bureau deletes an account, other bureaus must conduct an independent assessment instead of solely relying on furnishers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) further confirmed that credit bureaus can not blindly rely on furnishers without ensuring the accuracy of reported data. 



3. Willful Noncompliance with FCRA Legal Liability Under 15 U.S.C. 1681n, credit bureaus are liable for willful violations of the FCRA, including knowingly reporting inaccurate information. 

XXXX v. TransUnion, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) determined that credit bureaus may be held liable for failing to correct errors after being provided clear evidence of inaccuracies. 

Since XXXX and XXXX have already determined this account should be deleted, your continued reporting demonstrates reckless disregard for my consumer rights.

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 2025-03-25 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I was a victim of identity theft multiple times. I have filed XXXX complaints and police reports. But portfolio recovery will not listen and they wont remove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several fraudulent hard inquiries on my TransUnion credit report that I know dont belong to me I even had a fraud alert I dont apply for anything

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 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I just want to share with you my worst banking experience as a consumer at Citizens bank, I received offer through the mail about a checking and savings accounts offer which it seemed to be good at the time where to open both accounts and do a direst deposit of XXXX $ each month and do a deposit to your saving account also every month for XXXX $ for 3 month and get XXXX @ rewards, I went to the XXXX XXXX NJ branch and opened the account later after that I did my direct deposit to comply with the promo/offer. Shortly after that I decided to deposit XXXX $ as part of the promo and choose to use your ATM in XXXX XXXX NJ, the machine took my money counted and then returned back saying it cant be accepted but it only returned back XXXX $ ( short XXXX $ ) I went inside the branch immediately and asked they said nothing they can do and we have to file a dispute which I have no other option but to agree, a few weeks after that I noticed that my promo status on the checking account went from completed to non completed I called the XXXX number where they chocked me by saying my checking account is closed as I didnt have money in it for long, I tried to explain that their is a direct deposit comes every XXXX weeks but I have to XXXX  XXXX out due to life expenses but they said that doesnt count and I should had left something in the account I told them I never heard of that and no one told me that at the time I opened the account but they said sorry, I tried to make complaint and escalated but the representative manager told me that you have no such a thing called escalation. At that time I decided to close my savings account and simply walk away but I got busy, 10 days after that while I was checking my online banking I noticed that they took back the credit for my disputed transaction XXXX XXXX so now instead of making extra XXXX $ i lost XXXX of my money because which i believe a bank scam. 
Thank you Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

3. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately. 

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I owe nothing as of now and XXXX  is try to say I do. When XXXX and XXXX  has fixed my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from National Credit System for an alleged lease debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am formally disputing this collection, as I do not recognize the debt. When I vacated the apartment, there was no balance due. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. The lack of prior notification raises significant concerns regarding the validity and accuracy of this account. This erroneous reporting has caused difficulties in securing credit and is directly impacting my ability to obtain a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately remove this collection account from all credit reporting agencies and cease any further collection efforts regarding this disputed debt. Please provide written confirmation of the actions taken in response to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marauder Corporation
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding an alleged debt of {$3000.00} that appears on my credit report. I dispute this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 and the Fair Credit Reporting Act ( FCRA ) 611. 

I have no contractual relationship with XXXX XXXX XXXX When I requested validation of this debt, including a copy of the original contract or agreement obligating me to this alleged debt, XXXX XXXX XXXX failed to provide adequate documentation as required by law. 

This collection account contains inaccurate balance information and requires immediate verification. If XXXX XXXX XXXX can not provide proof of my obligation, this item must be removed from my credit reports immediately as required by FCRA XXXX ( a ) ( XXXX ). 

My legal name is XXXX XXXX XXXX. My current and only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I expect XXXX XXXX XXXX to : XXXX. Cease all collection efforts on this unverified debt XXXX. Remove this collection account from all credit reporting agencies XXXX. Provide written confirmation of these actions Failure to comply with this request will result in further legal action through appropriate regulatory channels.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-25 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding LLC regarding an alleged debt of {$900.00} that appears on my credit report. I dispute this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 and the Fair Credit Reporting Act ( FCRA ) 611.

I have no contractual relationship with LVNV Funding LLC. When I requested validation of this debt, including a copy of the original contract or agreement obligating me to this alleged debt, LVNV Funding LLC failed to provide adequate documentation as required by law.

This collection account contains inaccurate balance information and requires immediate verification. LVNV Funding has been subject to numerous consumer complaints and class action lawsuits for failing to properly verify debts and for attempting to collect amounts that
can not be substantiated. If LVNV Funding LLC can not provide proof of my obligation, this item must be removed from my credit reports immediately as required by FCRA 611 ( a ) ( 5 ). 

My legal name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I expect LVNV Funding LLC to : 1. Cease all collection efforts on this unverified debt 2. Remove this collection account from all credit reporting agencies 3. Provide written confirmation of these actions Failure to comply with this request will result in further legal action through appropriate regulatory channels.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
My name is spelled incorrectly and addresses does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
1681 ( e ) ( b ) states " Accuracy of report ; Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ". Everything on my credit report should have the most maximum possible accuracy. XXXX XXXX XXXX has been reporting account ending in XXXX as CO, which stands for Charge Off. Twice, stating this account has been charged off XX/XX/year> & XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
1681 ( e ) ( b ) states " Accuracy of report ; Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ". Everything on my credit report should have the most maximum possible accuracy. XXXX XXXX XXXX has been reporting account ending in XXXX as CO, which stands for Charge Off. Twice, stating this account has been charged off XX/XX/year> & 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 non-monetary relief