vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed several incorrect accounts that are adversely affecting my credit report and costing me thousands of dollars in interest annually. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information, I am requesting a reinvestigation of the information contained in my credit report to ensure its accuracy. 

Below are the details of the account I am disputing : Account Name : XXXX XXXXXXXX Account Number : XXXX I request that you reinvestigate the completeness and accuracy of all information related to this account. If any aspect of the information is found to be inaccurate, I demand its immediate removal from my credit report. Under 15 U.S. Code 1681i, if the information can not be verified within 30 days, I request that it be deleted from my report. Additionally, under 15 U.S. Code 1681e ( b ), I request confirmation that all procedures followed to report this information are reasonable and ensure maximum possible accuracy. 

I appreciate your prompt attention to this matter and look forward to your response confirming the action taken. Please provide written confirmation of the reinvestigation results at your earliest convenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identify thief and I have noticed unauthorized hard inquires on my credit reports. Theses hard inquiries consist of, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identify thief and I have noticed unauthorized hard inquires on my credit reports. Theses hard inquiries consist of, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/year>, I requested a copy of my Equifax consumer report. After reviewing the report, I identified incorrect or unverifiable information. I mailed a written request on XX/XX/year>, asking Equifax to provide details of the method of investigation used to verify the disputed accounts. 

My request was sent via USPS with tracking number XXXX XXXX XXXX XXXX XXXX XXXX and was delivered on XX/XX/year>, to XXXX office in XXXX, GA XXXX. 

Despite delivery confirmation, Equifax has not responded to my request. Specifically, I asked them to provide : The method and procedure used to verify each disputed account, including the name and contact details of the individual or entity that verified the information. 

Copies of any documentation provided by the furnisher ( s ) that Equifax used to validate the accuracy of these accounts.

A description of how Equifax communicated with the furnisher ( s ) during the verification process.

Evidence of original creditor agreements, if applicable, showing my legal liability for the reported accounts. 

This lack of response is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am attaching a copy of the letter I sent, as well as the USPS tracking proof showing delivery.

Additionally, I would like to bring to your attention the CFPB Enforcement Action from XX/XX/year>, in which Equifax was fined {$15.00} XXXX for failing to properly investigate consumer disputes. My experience aligns with the exact behaviors cited in that action, including : Failing to respond to dispute investigation requests Providing no transparency on procedures used Ignoring supporting documentation submitted by consumers I am requesting CFPBs assistance in compelling Equifax to provide a full and lawful response to my request, and to address the violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/year> EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX, GA XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear EQUIFAX I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : 1. A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) XXXX 2. A COPY OF MY CREDIT REPORT copy of my identification I request that you block and remove the fraudulent accounts and any associated negative information as mandated by law. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Equifax and Experian are continuing to act in bad faith by creating unnecessary delays and obstructions despite having received and acknowledged all required documents under the FCRA.

Equifax : Equifax initially lied by claiming that my FTC Identity Theft Report was invalid because it did not explicitly state XXXX XXXX, despite the report identifying XXXX XXXX as the issuer, which is the correct and identifying entity behind the XXXX XXXX When confronted, the representative then shifted tactics and falsely claimed that I now need to submit a copy of my Social Security card by mail, a requirement not mandated under the FCRA for blocking fraudulent accounts. This is a blatant attempt to further obstruct compliance and delay the removal of the fraudulent XXXX XXXX account. 

Experian : Similarly, Experian is stalling in removing the fraudulent XXXX XXXX account from my report. Despite receiving all required documentation, including my FTC Identity Theft Report and supporting identity verification, they continue to claim that I need to wait to hear from a back office because the fraudulent account was charged off. This is irrelevant under 15 U.S.C. 1681c-2, which requires them to block the account upon receipt of valid identity theft documentation. 

Additional Violations : XXXX, which received the same documents, immediately complied by blocking the fraudulent accounts, further proving that both Equifax and Experian have acknowledged the validity of my claims but are willfully obstructing compliance. Their continued delays and bad faith actions not only violate the FCRA but also directly harm my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CT

Complaint narrative:
XXXX and XXXX are continuing to act in bad faith by creating unnecessary delays and obstructions despite having received and acknowledged all required documents under the FCRA. 

XXXX : XXXX initially lied by claiming that my FTC Identity Theft Report was invalid because it did not explicitly state Apple Card, despite the report identifying XXXX XXXX as the issuer, which is the correct and identifying entity behind the XXXX Card. When confronted, the representative then shifted tactics and falsely claimed that I now need to submit a copy of my Social Security card by mail, a requirement not mandated under the FCRA for blocking fraudulent accounts. This is a blatant attempt to further obstruct compliance and delay the removal of the fraudulent XXXX XXXX account. 

XXXX : Similarly, XXXX is stalling in removing the fraudulent Discover Bank account from my report. Despite receiving all required documentation, including my FTC Identity Theft Report and supporting identity verification, they continue to claim that I need to wait to hear from a back office because the fraudulent account was charged off. This is irrelevant under 15 U.S.C. 1681c-2, which requires them to block the account upon receipt of valid identity theft documentation. 

Additional Violations : XXXX, which received the same documents, immediately complied by blocking the fraudulent accounts, further proving that both XXXX and XXXX have acknowledged the validity of my claims but are willfully obstructing compliance. Their continued delays and bad faith actions not only violate the FCRA but also directly harm my credit standing.

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

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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 EXPERIAN TRANSUNION 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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FREEDOM FINANCIAL NETWORK
State: TN

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Interest rate extremely high so is late fees. I was never charged late fee long as if it was within 10 days. Interest rate is about same amount as monthly fees. I use to see balance go down instead of up. Trying to pay off credit card but its difficult with charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
We were deceived into taking more money out in loan. They said the interest would stay the same. It has not. Our amount owed has increased in 5 years despite multiple years of on time payments. Including multiple double payments. One to principle and one to interest. 
I am drowning in this loan and the company has offered no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Second and Final Notice Legal Demand to Remove Inaccurate Late Payments Under CARES Act, FCRA, and 15 U.S. Code 1666b To Whom It May Concern, This letter serves as a second and final formal dispute regarding inaccurate late payment information reported on my credit file related to the following account : Account in Dispute Creditor Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date of Late Payment ( s ) Reported : XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> Despite my previous written request dated [ insert date of first letter ], I have not received a response nor confirmation of investigation, correction, or validation. This lack of action constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX, which mandates a full investigation within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding a phone call I received from XXXX XXXX XXXX demanding payment three days prior to my actual due date. 

On XX/XX/XXXX at XXXXXXXX XXXX I received a call from a XXXX XXXXXXXX XXXX  representative that lasted 1 minute and 40 seconds, pressuring me to make a payment. However, according to my billing statement dated [ insert statement date ], my due date is clearly listed as the XXXX of every month. 

I believe this early collection activity is inappropriate and could be considered harassing, especially since my account was not delinquent at the time of the call. 


I am writing regarding a collection account associated with XXXX XXXX XXXX 

I have reason to believe your company has violated the Fair Debt Collection Practices Act ( FDCPA ) in your handling of this account. Rather than pursue legal action, I am willing to resolve this matter informally. 

As a resolution, I respectfully request that you remove this account from all three major credit reporting agencies ( Experian, XXXX, and XXXX ) with no payment required. In return, I will consider this matter fully resolved and will not pursue further legal action regarding the violations. 

Please provide written confirmation that you agree to : Delete the account from all credit reporting agencies. 
Close the account with no balance due. 
Once I receive this confirmation, I will consider this issue resolved. Thank you for your cooperation.

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