vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: MA

Complaint narrative:
I am writing to formally dispute the reporting of inaccurate late payments and consumer misinformation ( CMI ) on my credit report. Upon reviewing my credit report, I discovered inaccuracies that require immediate correction to ensure compliance with federal laws Under 15 U.S.C. 1666b This statute under the Fair Credit Billing Act ( FCBA ) governs the proper posting and crediting of payments. If payments were not properly applied or were mismanaged by the creditor, the reported late payments are not valid and should be immediately corrected or deleted. 


15 U.S.C. 1681n Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are liable for willful noncompliance with credit reporting requirements. The inaccurate reporting of late payments and incorrect consumer information constitutes a violation of this statute, making the credit bureau and creditor potentially liable for damages. 


XXXX XXXX. XXXX XXXX the XXXX XXXX, financial institutions are required to protect the confidentiality and accuracy of consumer information. The presence of inaccurate consumer information ( CMI ) and misreported late payments violates the accuracy and privacy protections outlined in this statute. 
In addition to the incorrect late payments, I am disputing the inaccurate consumer profile information reflected on my credit report. This includes but is not limited to : Incorrect personal details ( e.g., name, address, employer ) Inaccurate account status or balances Outdated or duplicated accounts I kindly request the following actions be taken without delay under 15 USC 1681i ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: MA

Complaint narrative:
I am writing to formally dispute the reporting of inaccurate late payments and consumer misinformation ( CMI ) on my credit report. Upon reviewing my credit report, I discovered inaccuracies that require immediate correction to ensure compliance with federal laws Under 15 U.S.C. 1666b This statute under the Fair Credit Billing Act ( FCBA ) governs the proper posting and crediting of payments. If payments were not properly applied or were mismanaged by the creditor, the reported late payments are not valid and should be immediately corrected or deleted. 


15 U.S.C. 1681n Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are liable for willful noncompliance with credit reporting requirements. The inaccurate reporting of late payments and incorrect consumer information constitutes a violation of this statute, making the credit bureau and creditor potentially liable for damages. 


XXXX XXXX. XXXX XXXX the XXXX XXXX, financial institutions are required to protect the confidentiality and accuracy of consumer information. The presence of inaccurate consumer information ( CMI ) and misreported late payments violates the accuracy and privacy protections outlined in this statute. 
In addition to the incorrect late payments, I am disputing the inaccurate consumer profile information reflected on my credit report. This includes but is not limited to : Incorrect personal details ( e.g., name, address, employer ) Inaccurate account status or balances Outdated or duplicated accounts I kindly request the following actions be taken without delay under 15 USC 1681i ( a )

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 2025-03-17 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:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX  and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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 a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX  and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-03-17 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: MI

Complaint narrative:
I was a victim of identity theft and Equifax credit breach

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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Complaint Details : I am filing this complaint because my bank is violating Regulation E ( 12 CFR 1005.11 ) by refusing to provide a provisional credit while investigating an unauthorized or disputed charge on my account. 

Key Facts : Date of Disputed Transaction : XX/XX/year> Amount of Disputed Transaction : {$800.00} Merchant Name : XXXX XXXX Date I Reported the Issue to My Bank : XX/XX/year> Current Status : My bank has not completed its investigation within 10 business days, yet they refuse to issue a provisional credit, which is required under Regulation E.

Regulation E Violation : Regulation E ( 12 CFR 1005.11 ( c ) ( 2 ) ( i ) ) requires that if a financial institution does not complete its investigation within 10 business days, it must issue a provisional credit for the disputed amount while the investigation continues. My bank has failed to do so.

Banks Response ( Unfair Treatment ) : When I contacted my bank, they stated that my case is an " item not received '' dispute instead of fraud, so they do not consider it covered under Regulation E. However, Regulation E applies to all errors related to electronic fund transfers, including incorrect and unauthorized charges, not just outright fraud.

Requested Resolution : I request that my bank immediately provid
e the required provisional credit for the disputed transaction and comply with Regulation E. Additionally, I ask that the CFPB investigate this violation to ensure that the bank follows federal consumer protection laws. 

Please take action as soon as possible. Thank you for your help.

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 monetary relief
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-17 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXl, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Dear XXXX : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX WXXXX XXXX, FL XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX Current Employer : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 
Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax, XXXX, and XXXX, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to make sure that you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. Please delete the following inaccurate names : XXXX needs to be spelled with an ( " ) = XXXX, as shown on my Birth Certificate. I have no " also known as '' names. Please delete the following inaccurate addresses : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The ONLY address that should be reporting is XXXX XXXX XXXX, XXXX, Texas, XXXX Please delete the following inaccurate employers : XXXX XXXX XXXXTHE GREAT I AM ORGANIZATION The ONLY employer that should be reported is " XXXX XXXX XXXX XXXX XXXXXXXX By reporting these inaccuracies you violate 15 U.S.C 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. Equifax, XXXX, and XXXX have in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, or written instructions to do so. These actions have caused my family and me a great deal of injury. Furthermore, I am filing this consumer complaint and consumer check for compliance with these particular items that you are reporting under FACTA Title 1 sec. 15

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX  NCB Managment Services XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Subject : Debt Validation Request Dear Sir/Madam, I am contacting you regarding a debt that you claim is in my name. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following information to validate this debt : The exact amount of the alleged debt. 
The name of the original creditor and details of the contract supporting this debt. 
Proof that you are authorized to collect this debt on behalf of the creditor. 
A breakdown of any additional charges applied. 
Until you provide this information, I request that all collection attempts, including calls and letters, cease immediately. Additionally, any negative reporting to my credit history before proper validation of the debt will be considered a violation of the FDCPA. 

I appreciate your prompt response in writing. Please send the requested information to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2025-03-17 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 am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my 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 2025-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
This disute started XX/XX/year>. I terminated my account with XXXX. A bill was sent stating I owed a balance of {$130.00}. It was an incorrect balance and after explaining this to the XXXX  rep, they adjusted my balance to the correct amount, {$7.00}. I had kept a paper file of this and wrote notes of what was happening. Another letter was sent to me from XXXX on XX/XX/year> that owed {$120.00}. Then came a collection letter from XXXX in XXXX. I spoke with a collection agency rep and XXXX on XX/XX/year>. I kept my claim that I did not owe this amount. I'm not sure what happened after that because I have no other paper documents in my file. 
I also do not remember if this affected my credit. However, I have had supier credit my entire life. Last week when I went on line to pay my XXXX  account, I noticed my credit score dropped from a continue XXXX to XXXX. I pulled my credit to find out that Southwest Credit Systems hit my credit with the same {$120.00} amount from XXXX from 5 years ago. This is what brought my score down. I have disputed this to all 3 bureaus as of last week. I spoke with XXXX last week, who incently, I went back to them several years ago. Who took me back no questions asked. The rep explained that there is nothing they can do because this had been turned over to the collection agency and they how charged this amount off. I tried calling Southwest twice to attempt to ask them to have this amount removed from my credit, only to speak with abnoxious reps. I'd love to know why after 5 years they hit me with this again. They couldn't answer my question.

Company response to consumer: Closed with non-monetary relief