vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear CFPB, I am writing to formally dispute an inaccurate collection account that appears on my XXXX credit report. The details of the account are as follows : Creditor : Jefferson Capital Systems Original Creditor : XXXXXXXX XXXX Card Account Number : [ Last four digits : XXXX ] Balance : {$510.00} Status : Collection Account This account is being reported inaccurately, and I dispute its validity for the following reasons : 1. Lack of Verification : I requested verification of this debt from Jefferson Capital Systems, but they have failed to provide sufficient documentation proving that I owe this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request proper validation. 
2. Incorrect Reporting : The balance, status, or other details may be inaccurate, and I request an investigation to ensure compliance with 15 U.S. Code 1681i of the FCRA. 
3. Consumer Dispute Already Filed : My XXXX report includes a statement indicating that this account is disputed, meaning it should not be reported negatively without proper investigation. 

I request that this account be removed from my credit report if it can not be properly verified. Please conduct an investigation and provide me with the results. If Jefferson Capital Systems can not substantiate this debt, I demand its deletion from my credit file per FCRA 611.

Attached, you will find a copy of my credit report highlighting the disputed account and any supporting documents.

Please respond to this dispute within 30 days, as required by law. If you need further information, you may contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
I was awarded continued use of XXXX in my divorce decree. Decree states all benefits and entitlements in current party names remain in their name. At time XXXX was in my name. XXXX sent XXXX funds for tuition back to VA despite the court order awarding them to me, and then XXXX fraudulently attempted to collect tuition from me and not through the XXXX process stated in our court order. I notified XXXX and they refuse to correct without me paying them first and tell me theyll reimburse me later. I refuse to pay a debt that is not mine. XXXX sent tuition debt to a creditor who is trying to fraudulently collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions 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 FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
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 2025-02-08 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: TN

Complaint narrative:
I have disputed inaccurate late payment reporting on my XXXX XXXX account with Equifax, and Equifax has failed to provide proper verification or a valid Method of Verification ( MOV ), violating FCRA 611 ( a ) ( 7 ). 

The account was paid in full and closed in XX/XX/XXXX, with a Date of Status reflecting this final positive update. However, late payments from XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX are still being reported despite XXXX XXXX guidelines requiring that the most recent status supersede prior derogatory marks. 

What Happened : Equifax has responded to my disputes with generic, non-substantive responses and has failed to provide detailed MOV as required by law. 
Despite multiple requests for clear verification of how the XXXX & XX/XX/XXXX late payments were verified, Equifax has not provided supporting documentation or valid justification for the continued reporting of these derogatory marks. 
Equifax continues to misapply the Date of Status, allowing outdated late payments to affect my credit score, despite my account being paid in full and closed in XX/XX/XXXX. 
Why This is a Violation : 1 Failure to Provide MOV ( FCRA 611 ( a ) ( 7 ) ) Equifax is legally required to provide detailed verification but has repeatedly responded without documentation or proper verification. 

XXXX XXXX XXXX Compliance Violation Date of Status Conflict Since the Date of Status is XX/XX/XXXX, Equifax is inaccurately reporting the account, allowing old derogatory marks to unfairly impact my credit standing. 

3 Failure to Properly Code Dispute as " In Dispute '' ( XXXX XXXX ) Equifax is required to mark the account as " In Dispute '' during reinvestigation, yet I have no confirmation this was done. 

4 Failure to Conduct a Meaningful Investigation ( FCRA 611 ( b ) ) Because Equifax has failed to verify the disputed information, the late payments must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc.
State: NC

Complaint narrative:
They are keep sending me a collection notice repeatedly and threat to report to credit report without showing the actual debt. It feels like a scam. Sent request to give me actual statement on XX/XX/year> but no respoinse and then they sent me a new collection notice again without responding my previous reques

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding the failure of a credit reporting agency to comply with the investigation procedures required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.

I previously disputed inaccurate information on my credit report provided by Experian multiple times. The disputed item ( s ) are as follows : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As per FCRA 15 U.S.C. 1681i, the credit reporting agency is required to conduct a reasonable investigation within 30 days of receiving notice of the dispute and provide the results of the investigation. However, despite my formal dispute on multiple attempts, the credit reporting agency has failed to : -Conduct the required investigation of the disputed information. 
-Notify me of the results of their investigation within the 30-day time frame, as mandated by the FCRA. 
-Correct or remove the inaccurate information on my credit report. 
-This non-compliance with the FCRA has resulted in an inaccurate representation of my credit history and has potentially harmed my financial standing. 

As a result of the credit reporting agency 's failure to comply with the FCRA, I am seeking your assistance in resolving this matter. I kindly request that the Consumer Financial Protection Bureau : remove these accounts immediately from reporting. 
Thank you for your attention to this matter. I look forward to your prompt action and resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding the failure of a credit reporting agency to comply with the investigation procedures required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.

I previously disputed inaccurate information on my credit report provided by Experian multiple times. The disputed item ( s ) are as follows : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As per FCRA 15 U.S.C. 1681i, the credit reporting agency is required to conduct a reasonable investigation within 30 days of receiving notice of the dispute and provide the results of the investigation. However, despite my formal dispute on multiple attempts, the credit reporting agency has failed to : -Conduct the required investigation of the disputed information. 
-Notify me of the results of their investigation within the 30-day time frame, as mandated by the FCRA. 
-Correct or remove the inaccurate information on my credit report. 
-This non-compliance with the FCRA has resulted in an inaccurate representation of my credit history and has potentially harmed my financial standing. 

As a result of the credit reporting agency 's failure to comply with the FCRA, I am seeking your assistance in resolving this matter. I kindly request that the Consumer Financial Protection Bureau : remove these accounts immediately from reporting. 
Thank you for your attention to this matter. I look forward to your prompt action and resolution of this issue.

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 2025-02-08 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: AES/PHEAA
State: IN

Complaint narrative:
This company keeps allowing items to be placed in my report thats inaccurate. I have filed disputes, and they keep breaching my data. How is it that they get to breach your data while also providing information that impacts major decisions in your life. I have filed bankruptcy twice, most of the stuff is still in my reports, so why am I being impacted for the bankruptcy. I have requested the information that was provided to them that assured them the information should be there- they always say your dispute has been completed. Ive already had XXXX breach my data, state companies, and now the credit agency. This does not protect me as a tax paying consumer. I know my life is not together but Im assured its because of the systems that are in place, that keeps me from getting my life together.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
My car was totaled, car was paid off by insurance but bank is still reporting negatively on credit report. Dont have the car and is not in my possession. I called them and they still arent correcting it. 

Delete all derogatory marks on my credit profile containing an automobile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been disputing the names that are used on credit reporting as names I never used, incorrect addresses and jobs. I have been involved in several security breaches over the years. I don't know if the variations of my name is used in fraudulent activities.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been disputing the names that are used on credit reporting as names I never used, incorrect addresses and jobs. I have been involved in several security breaches over the years. I don't know if the variations of my name is used in fraudulent activities.

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 2025-02-08 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: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Late Payment Info Dear XXXX, I am writing to formally dispute the late payment ( s ) reported on my credit file for [ Creditor Name ] under account number [ Your Account Number ]. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and verifiable. After reviewing my credit report, I found late payments listed for [ Month ( s ) /Year ( s ) ] that are incorrect. 

I have never made a late payment on this account, and I am requesting that you investigate and remove these inaccuracies. I have attached supporting documents, including [ bank statements, payment confirmations, or other relevant proof ], which confirm my timely payments. 

Please conduct a thorough investigation and correct this erroneous information within the 30-day timeframe specified by the FCRA. If you find that the creditor can not verify the accuracy of the reported late payments, I request that they be removed from my credit file immediately. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the correction. Please provide me with a written response regarding your findings at your earliest convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: GA

Complaint narrative:
This is not my account and they refuse to remove it

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 2025-02-08 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: CA

Complaint narrative:
XXXX XXXX updated late payments on active account to from XXXX to XXXX, but TransUnion and Experian credit bureaus are not following suit only XXXX is. 

If a creditor knowingly reports incorrect information or fails to correct an error after being notified, the consumer may seek damages under California Civil Code Section 1785.31, which provides remedies for violations of the California Consumer Credit Reporting Agencies Act ( CCRAA ). 

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Remove inaccurate late payments from 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 2025-02-08 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:
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. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX 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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX Ive been using Cash App for online purchasing and every day use. There were also times where I got charged and has a couple unauthorized transactions and it was hard for me to talk to a live agent when these transactions were brought upon. I use the support contact us and it be a robot. Never a human person to speak to to try to resolve this transaction or unauthorized transaction. Therefore, I have a lot of unauthorized transactions that I never got help with cause there was never human contact just a bot to resolve a situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with explanation