vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
I am writing to formally submit a complaint against Experian Credit Bureau, Equifax Credit Bureau, and Transunion Credit Bureau regarding the inaccurate information reported on my credit report. I have attempted to address these issues through their dispute department over the phone. My experience has been frustrating, and I have encountered rude treatment from their representatives, which inform me that a supervisor is not available and hung the phone up. I feel is unacceptable and horrible customer service given the importance of this matter to my financial life.

Details of the Complaint : 1. Inaccurate Reporting : - XXXX  XXXX : This account is closed, and the loan was paid off. Despite this, it continues to show as a negative item on my credit report, including several reported late payments. I have documentation proving that I was never late on these payments, which must be removed immediately. 
- XXXX  XXXX  : I have never taken out a loan from this company, nor did I authorize them to report any information regarding me. This fraudulent account has adversely affected my credit score, resulting in a drop of XXXX points. 

Upon reviewing my credit report, I noticed multiple inaccuracies, including late payments that are not mine, fraudulent activity, and open accounts that should have been closed. The presence of these inaccuracies is severely impacting my ability to make future purchases. 

Legal Grounds for My Request : According to the Fair Credit Reporting Act ( 15 USC 1681 ), I request that you provide documentation to prove that I was ever late on the aforementioned accounts. If you are unable to provide this evidence, I demand that you delete the disputed late payments from my credit report in accordance with 15 USC 1681b, which states that consumer reporting agencies must have a permissible purpose to furnish a consumer report.

I have notified Experian repeatedly about this fraudulent information, which falls under the category of identity fraud and defamation of character. I am prepared to seek {$1000.00} per violation for the harm caused, as well as taking legal actions if necessary. 

Conclusion : I request your immediate assistance in resolving this matter. Please ensure that these accounts and the associated late payments are removed from my credit report and that I receive a corrected copy of my report once the changes are made. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
I am writing to formally submit a complaint against Experian Credit Bureau, Equifax Credit Bureau, and Transunion Credit Bureau regarding the inaccurate information reported on my credit report. I have attempted to address these issues through their dispute department over the phone. My experience has been frustrating, and I have encountered rude treatment from their representatives, which inform me that a supervisor is not available and hung the phone up. I feel is unacceptable and horrible customer service given the importance of this matter to my financial life.

Details of the Complaint : 1. Inaccurate Reporting : - XXXX  XXXX : This account is closed, and the loan was paid off. Despite this, it continues to show as a negative item on my credit report, including several reported late payments. I have documentation proving that I was never late on these payments, which must be removed immediately. 
- XXXX  XXXX  : I have never taken out a loan from this company, nor did I authorize them to report any information regarding me. This fraudulent account has adversely affected my credit score, resulting in a drop of XXXX points. 

Upon reviewing my credit report, I noticed multiple inaccuracies, including late payments that are not mine, fraudulent activity, and open accounts that should have been closed. The presence of these inaccuracies is severely impacting my ability to make future purchases. 

Legal Grounds for My Request : According to the Fair Credit Reporting Act ( 15 USC 1681 ), I request that you provide documentation to prove that I was ever late on the aforementioned accounts. If you are unable to provide this evidence, I demand that you delete the disputed late payments from my credit report in accordance with 15 USC 1681b, which states that consumer reporting agencies must have a permissible purpose to furnish a consumer report.

I have notified Experian repeatedly about this fraudulent information, which falls under the category of identity fraud and defamation of character. I am prepared to seek {$1000.00} per violation for the harm caused, as well as taking legal actions if necessary. 

Conclusion : I request your immediate assistance in resolving this matter. Please ensure that these accounts and the associated late payments are removed from my credit report and that I receive a corrected copy of my report once the changes are made. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-05-02 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: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: PA

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 2025-05-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute the accuracy of several items listed on my credit report. After reviewing my credit file, I have identified multiple entries that I believe to be either inaccurate, outdated, or misrepresented. I request a formal investigation and immediate correction or removal of the following accounts from my credit profile : XXXX. XXXX XXXX XXXX {$580.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX {$990.00} Disputing the balance and validity of this account. 
XXXX. XXXX  XXXX {$1300.00} Account details are inaccurate and need review. 
XXXX. XXXX {$1400.00} This account was written off. Please reflect the correct status. 
XXXX. XXXX XXXX {$1500.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX {$2700.00} Balance and account status are inaccurate. 
XXXX. XXXX XXXX XXXX {$2900.00} I do not recognize this account.Please verify. 
XXXX. XXXX  {$3500.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX XXXX XXXX {$3800.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX XXXX {$4300.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX XXXX {$6500.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX XXXX {$6500.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX {$7500.00} Disputing the balance reported and seeking documentation. 

Please investigate these items under the Fair Credit Reporting Act ( FCRA ) and provide written verification of each item. If the items can not be verified, I request they be deleted from my report. Please send me written confirmation of the outcome of your investigation. 

Thank you for your time and cooperation. 

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 2025-05-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute the accuracy of several items listed on my credit report. After reviewing my credit file, I have identified multiple entries that I believe to be either inaccurate, outdated, or misrepresented. I request a formal investigation and immediate correction or removal of the following accounts from my credit profile : XXXX. XXXX XXXX XXXX {$580.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX {$990.00} Disputing the balance and validity of this account. 
XXXX. XXXX  XXXX {$1300.00} Account details are inaccurate and need review. 
XXXX. XXXX {$1400.00} This account was written off. Please reflect the correct status. 
XXXX. XXXX XXXX {$1500.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX {$2700.00} Balance and account status are inaccurate. 
XXXX. XXXX XXXX XXXX {$2900.00} I do not recognize this account.Please verify. 
XXXX. XXXX  {$3500.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX XXXX XXXX {$3800.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX XXXX {$4300.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX XXXX {$6500.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX XXXX {$6500.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX {$7500.00} Disputing the balance reported and seeking documentation. 

Please investigate these items under the Fair Credit Reporting Act ( FCRA ) and provide written verification of each item. If the items can not be verified, I request they be deleted from my report. Please send me written confirmation of the outcome of your investigation. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 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 2025-05-02 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: FL

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap! 

Account Name : XXXXXXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXXXXXX  Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNATHORIZED INQUIRIES : 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On XX/XX/year> I received a letter from citi XXXX XXXX saying they are increasing my interest rates because of low credit score ( XXXX ) and multiple delinquent accounts. This concerned me because this information in inaccurate. I tried to call citi, they say there is no way to contest the accuracy of this report and they are unable to provide the report that shows these delinquent accounts or low credit score. I pulled credit reports from multiple agencies, XXXX XXXX XXXX XXXX XXXX. None of these companies say they are showing these delinquent accounts that citi claims. Citi is doubling their interest rate charged on information they cant show proof of and with no factual basis for their justifications.

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 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have gotting more information for XXXX  XXXX XXXX to hand over to the 3 credit bureau. And I also got in contact with the original bank that sold it to them and I'm going to police for another report for identity to go after them also. So I'll start with XXXX XXXX XXXX has account # XXXX.... This is the account number they will not give me or the credit bureau. I found the original bank who sold the fraud and it is sad what's going on .. so XXXX  XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Must hand over that and hand to the 3 credit bureau and get this off my credit.. I recently discovered this account on my credit report and been fighting and immediately investigated the matter. I contacted the original bank, who confirmed that this account was not opened by me and was sold to XXXX XXXX XXXX without verifying the identity of the actual debtor. XXXX XXXX XXXX has refused to provide full account details despite my requests to give this to all three major credit bureau s to remove

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint against the companies listed below reporting one or more accounts on my credit report as Charge-Off and/or Profit and Loss Write-Off. 

I previously exercised my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ) by requesting that the company ( ies ) verify the accuracy and completeness of the reported information. Despite my request, they failed to provide adequate verification or supporting documentation, specifically IRS Form 1099-C, which is required by 26 U.S.C. 6050P if a debt of {$600.00} or more is canceled or discharged. 

To date, no 1099-C has been issued, indicating the debt has not been legally canceled. Therefore, reporting the account as a charge-off or profit and loss write-off is incomplete, misleading and illegal, as it suggests a final disposition of the account that does not exist. This inaccurate reporting is materially harmful to my credit standing. 

Because the data furnisher has failed to verify the account and continues to report misleading and unverifiable information, I am requesting that the CFPB : Require immediate and permanent deletion of the account ( s ) from my credit report. 

This inaccurate reporting violates my rights under federal law and has had a negative impact on my financial wellbeing. 

Thank you for your assistance in protecting consumer rights and holding furnishers accountable for noncompliance with federal law. 

XXXX. XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing in response to a communication I received from your office regarding an alleged debt associated with the above-referenced account number. This letter serves as a formal request for validation of the debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.Please provide the following:1. The amount of the alleged debt ; 2. The name and address of the original creditor ; 3. A full itemized statement or accounting of the alleged debt ; 4. A copy of the original agreement bearing my signature, demonstrating that I have a legal obligation to pay the debt ; 5. Proof that your agency is authorized to collect debts in [ Your State ] ; 6. Documentation showing that your firm has the legal right to collect on this specific account.Until you provide this information, you must cease all collection activity, including credit reporting, as required under 15 U.S.C. 1692g ( b ) .Additionally, under 15 U.S.C . 1692c ( c ), I hereby demand that you cease and desist all communication with me, including phone calls, emails, and mailed correspondence. Any further contact not in compliance with federal law will be documented and may be reported to the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally required to verify the accuracy and validity of any disputed information within 30 days of receiving this notice. In instances where the disputed information stems from a data breach, the FCRA further mandates that it be deleted or blocked within 4 business days. If the information can not be verified, you are obligated by law to remove it from my credit report.

I have submitted an affidavit affirming that my credit report contains fraudulent accounts and unauthorized inquiries. Therefore, I urge you to take immediate corrective action by deleting or blocking the disputed items to prevent further harm and to remain in compliance with federal law.

If you fail to verify the disputed information and continue to report it in violation of the FCRA, I will be left with no alternative but to seek legal recourse for actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. A copy of this statute is enclosed for your reference. This law grants me the right to initiate legal proceedings in any appropriate state or federal court, including small claims court. 

I trust you will resolve this matter swiftly and in accordance with your legal obligations.

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