vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
I had a former room mate that used my credit info and person info to open accounts that are not mine. I want to remove these things from my credit report because they are not mine. Please do this dispute the right way, like the CFPB lawsuit says you have not been doing. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

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

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

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

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

Company 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 2025-05-17 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: FL

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : FINAL NOTICE DEMAND TO PERMANENTLY DELETE ILLEGALLY REINSERTED AND RESOLD ACCOUNTS UNDER FCRA 605B, 611, and 623 Consumer : XXXX XXXX XXXX Dear Compliance Department, I am writing on behalf my credit file regarding the unlawful reinsertion and continued reporting of accounts previously deleted by Experian and other bureaus as confirmed in the attached PDF file titled XXXX XXXX REMOVALS PROOF. These reinsertions represent clear and willful violations of the Fair Credit Reporting Act, including but not limited to Sections 605B, 611, 623, and 616-617.

Proof of Previous Deletions ( Document Attached ) According to the Experian dispute file dated XX/XX/XXXX, and included with this notice, the following accounts were deleted after investigation : XXXX XXXXXXXX Account ending in XXXX XXXXXXXX Debt Buyer account ending in XXXXXXXX XXXX Charge card ending in XXXXXXXX XXXX XXXX XXXX XXXX  ending in XXXX XXXX XXXX  Charge card ending in XXXX XXXX XXXXXXXX XXXX Debt buyer account ending in XXXX All of the above were removed due to either lack of verification, invalid resale, or successful FCRA-based disputes. Despite this, some of these accountsor their resold derivativeshave reappeared on XXXX XXXX credit reports as of XX/XX/XXXX, and some were moved or relabeled to bypass reinsertion flags. 
Illegally Reinserted / Re-Labeled Accounts Now Reporting : 1. XXXX XXXX o Bureaus Reporting : Equifax & Experian o Original Deletion Confirmed : See page 8 of Experian PDF o Balance : {$5400.00} o Reinserted As : Identical tradeline reappeared without certification or notice 2. Online Information Services ( RE NAMED TO XXXX ) PREVIOULY REMOVED!! 
o Bureaus Reporting : Experian, Equifax, TransUnion o Original Collection Account Disappeared in XXXX o Now Reporting Again : Opened XX/XX/XXXX, {$10000.00} owed, falsely relabeled under new account number, Creditor can not locate individual 3. XXXX XXXX XXXX o Bureau Reporting : Equifax only o Original Creditor : XXXX XXXX XXXXXXXX XXXX ( XXXX  ) o Previously Blocked under 605B Identity Theft Notice ( XXXX ) o Now Showing as : Unpaid collection without verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : FINAL NOTICE DEMAND TO PERMANENTLY DELETE ILLEGALLY REINSERTED AND RESOLD ACCOUNTS UNDER FCRA 605B, 611, and 623 Consumer : XXXX XXXX XXXX Dear Compliance Department, I am writing on behalf my credit file regarding the unlawful reinsertion and continued reporting of accounts previously deleted by Experian and other bureaus as confirmed in the attached PDF file titled XXXX XXXX REMOVALS PROOF. These reinsertions represent clear and willful violations of the Fair Credit Reporting Act, including but not limited to Sections 605B, 611, 623, and 616-617.

Proof of Previous Deletions ( Document Attached ) According to the Experian dispute file dated XX/XX/XXXX, and included with this notice, the following accounts were deleted after investigation : XXXX XXXXXXXX Account ending in XXXX XXXXXXXX Debt Buyer account ending in XXXXXXXX XXXX Charge card ending in XXXXXXXX XXXX XXXX XXXX XXXX  ending in XXXX XXXX XXXX  Charge card ending in XXXX XXXX XXXXXXXX XXXX Debt buyer account ending in XXXX All of the above were removed due to either lack of verification, invalid resale, or successful FCRA-based disputes. Despite this, some of these accountsor their resold derivativeshave reappeared on XXXX XXXX credit reports as of XX/XX/XXXX, and some were moved or relabeled to bypass reinsertion flags. 
Illegally Reinserted / Re-Labeled Accounts Now Reporting : 1. XXXX XXXX o Bureaus Reporting : Equifax & Experian o Original Deletion Confirmed : See page 8 of Experian PDF o Balance : {$5400.00} o Reinserted As : Identical tradeline reappeared without certification or notice 2. Online Information Services ( RE NAMED TO XXXX ) PREVIOULY REMOVED!! 
o Bureaus Reporting : Experian, Equifax, TransUnion o Original Collection Account Disappeared in XXXX o Now Reporting Again : Opened XX/XX/XXXX, {$10000.00} owed, falsely relabeled under new account number, Creditor can not locate individual 3. XXXX XXXX XXXX o Bureau Reporting : Equifax only o Original Creditor : XXXX XXXX XXXXXXXX XXXX ( XXXX  ) o Previously Blocked under 605B Identity Theft Notice ( XXXX ) o Now Showing as : Unpaid collection without verification

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 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date : XX/XX/year> To : Medical Data Systems XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX And To Whom It May Concern, XXXX XXXX XXXX XXXX XXXX ( as applicable ) Subject : Request for Permanent Removal of Collection Account Under Federal Law Dear Medical Data Systems and Credit Reporting Agencies, I am writing to formally dispute and request the permanent removal of a collection account reported by Medical Data Systems on XX/XX/year>, currently appearing on my credit report under account number [ Insert Account Number if available ]. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am requesting the following : Validation of Debt Under FDCPA 15 U.S.C. 1692g, I request that you provide full validation of this debt, including : A signed contract bearing my signature, A full itemized breakdown of charges, Proof that Medical Data Systems has legal ownership or the right to collect this debt, Proof that I was properly notified before this collection account was reported. 


Investigation and Removal Under FCRA 15 U.S.C. 1681i, I request a full reinvestigation into the accuracy and legality of this account. If the debt can not be verified, it must be removed from my credit report within 30 days of this notice.

Reporting Compliance You are required by law under FCRA 15 U.S.C. 1681s-2 ( b ) to investigate and ensure that only accurate, verifiable, and complete information is reported to credit bureaus. If you can not furnish complete and verified information, this entry must be deleted.

Potential Violation and Damages Be advised, continued reporting of inaccurate, unverifiable, or unauthorized accounts is a direct violation of federal law and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or legal action to recover damages under 15 U.S.C. 1681n and 1681o.

Demand I am formally demanding immediate permanent deletion of this collection account from all three major credit bureaus ( XXXX XXXX and XXXX  ). Please provide written confirmation once this account has been removed.

I appreciate your prompt attention to this matter. You may contact me by mail at the address listed above if further documentation is required. Please be advised all communications must be in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
To whom it may concern, I am writing to dispute the debt listed on my credit reports. 


I attempted to pay this debt in XXXX through XXXX when the initial amount was less than {$45.00}, but was repeatedly told that payment could not be accepted due to the creditor 's bankruptcy. 

To my astonishment, an inflated amount of {$340.00} ( late fees and penalties included ) has been showing on my credit in XXXX credit bureaus as a bad and a charged off debt. 

Please remove this item from all three credit bureaus as it has been impacting badly and hurting my credit. 

FYI, I have disputed this item several times already over the phone and online but in vain. 

Please help me remove this item from all three credit bureaus as it has been impacting badly and hurting my credit worthiness and my personal life. 

I am asking for the folowing : Original creditor Itemized list of charges Proof that they have the right to collect and chaege off, Documentation of my attempts to pay in XXXX through XXXX. 



Sincerely,

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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The Balance of {$5100.00} was shown in Statement that I am going to pay for it on XX/XX/year> when it should staggered as per advertised. 

Question is : Why? When payment is to be staggered? I set {$450.00} in Pay status but does not reflect in the statement.

Please do not put the whole balance because I got no money to pay for all the {$5100.00}.

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 explanation
Consumer complaint received 2025-05-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On or about XX/XX/year> I attempted to get a property Modification for my house at XXXX XXXX XXXX XXXX New Jersey.I attempted to get paperwork for a modification but was advised there's was no such paperwork.Bank of America finally sent me paperwork and it was mailed back in and this occurs five times and I have yet to receive any paperwork regarding property modifications for XXXX XXXX XXXX XXXX New Jersey.This is a violation of federal law.This Bank has also been investigated under the RICO act and have had many class action lawsuits against them.Im preparing a letter of intent to sue followed by a federal lawsuit in XXXX .I also have a appointment with XXXX to get the information out next week.

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 2025-05-17 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account Number : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account Number : 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 2025-05-17 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account Number : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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

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

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

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

Company 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I have been denied Georgia usury laws I have been rejected when I ask for a refund of illegally collected interest I have refused by the finance company to correct a loan charging 127 % of principal in interest My original loan was XXXX MY APR IS 27 % After 6 payments of XXXX only XXXX dollars went to the principal My pay off quote is XXXX The total repayment is XXXXXXXX XXXX XXXXXXXX ( criminal usury over 60 % effective APR ) Federal Truth in Lending Act ( undisclosed XXXX in interest Georgia Fair business practices Act ( Unconscionable terms )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: The Aligned Company DBA Extra
State: CA

Complaint narrative:
I am a victim of identity theft. EXTRA is reporting a line of credit account on my credit report that I did not open, authorize, or sign for. The account was opened in XX/XX/XXXXXXXX  and shows 30, 60, and 90-day late payments before being marked as paid and closed. I discovered this in XX/XX/XXXX. I submitted an FTC Identity Theft Report ( # XXXX ), which includes this account. 

This account does not appear on all of my credit reports, which is inconsistent and violates 15 USC 1681e ( b ), requiring all information to be accurate and complete across all bureaus. Reporting this data also violates 15 USC 1681b and 1681a ( 2 ) ( A ) ( i ), as this was identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: SC

Complaint narrative:
The following accounts are not mine and were unauthorized :

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 2025-05-17 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: SC

Complaint narrative:
The following accounts are not mine and were unauthorized :

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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am submitting a complaint regarding my Citi Cards Bank CBNA account XXXX ( Date Opened : XX/XX/year> ), which has been reported inconsistently across the three major credit bureaus. The account is currently marked as " Current '' but was allegedly past due by 30 days on certain reports, with different dates listed across the bureaus. 

Each of the credit reporting agencies XXXX XXXX XXXX XXXX XXXX  ) has provided different payment status and late payment dates for the same period. This discrepancy is causing confusion and negatively impacting my credit score. I am unsure why there are discrepancies in the reporting, as my understanding is that this account was not late during the reported timeframe.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, furnishers of credit information are required to report accurate and complete data to the credit bureaus. The failure to report consistent and accurate information violates this provision and is damaging to my credit profile. I am requesting an immediate investigation into why these discrepancies exist and for corrections to be made.

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