vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
I am writing XXXX formally request the deletion of XXXX charge-off accounts currently reported on my credit file with your bureau. These same accounts were disputed with XXXX, a national consumer reporting agency, XXXX after a completed investigation, all three accounts were deleted from my XXXX credit report as of XX/XX/year>. 

According XXXX the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required XXXX maintain only accurate XXXX verifiable information. Since XXXX, after conducting a reinvestigation, determined these accounts XXXX be unverifiable XXXX removed them, it calls into question the legitimacy XXXX accuracy of the accounts still appearing on your report. 

Under FCRA Section XXXX ( XXXX XXXX XXXX XXXX ), you are required to reinvestigate any disputed information XXXX delete or correct any information found XXXX be inaccurate or unverifiable within XXXX days of receiving notice of the dispute. I am hereby formally requesting that you conduct a reinvestigation of these accounts XXXX  provide verification. If the accounts can not be verified with proper documentation from the original creditor, they must be permanently removed from my credit file. 

If you fail XXXX delete these unverifiable accounts within the required XXXX time frame, you will be in violation of the FCRA. I am aware of my rights under FCRA XXXX XXXXXXXX XXXX  XXXX ( XXXX XXXX Code XXXX & XXXX ), which provide consumers with the right XXXX seek damages through legal action against any credit reporting agency that willfully or negligently fails XXXX comply with FCRA requirements. This includes statutory damages, punitive damages, court costs, XXXX  attorney fees. 

Please confirm in writing the results of your reinvestigation XXXX  send me an updated copy of my credit report upon completion. 

Thank you for your prompt attention XXXX  this matter. I trust you will comply with the law XXXX remove the unverifiable information accordingly.

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 2025-05-03 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-03 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-03 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX XXXX XXXX have been harassing me for a debt that belongs to the other lease holder for almost two years now. This debt was never mine to begin with. The first time it happened, I requested proof of debt, and sent a response to their case, to which they never responded and instead dropped the case and did not appear in court. This is now malicious prosecution because they have refused to provide any proof of debt and they are harassing me for complaining about them to the health department and XXXX for unsafe living conditions. Their current lawyers who they have pursuing me over a fraudulent debt are kimball, tirey, and St. John. These scammers have harassed me in the past too. They need to take legal action with XXXX XXXX, the person who was actually in charge of paying the rent at XXXX XXXX XXXX. Not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Kikoff Inc.
State: MI

Complaint narrative:
About XXXX years ago I hade items removed an now they are all back such as all the names an address an numbers along with the accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXT XXXX Department Of EdXXXX XXXX Kickoff Lending LLC,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
About XXXX years ago I hade items removed an now they are all back such as all the names an address an numbers along with the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am to dispute the accuracy and completeness of the payment history associated with the accounts listed below. The records reflect several inaccuracies that appear to qualify as billing errors under 15 USC 1666 ( b ). To my knowledge, I have not been late on any of these accounts, and I respectfully request that the payment history be corrected to show all payments as made on time. This matter has become increasingly distressing. 

Please note that I am submitting this dispute personally, with no third-party involvement. I respectfully urge you to conduct a thorough and impartial review of this issue without further delay. 

Thank you for your attention and understanding.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I am asking for one main to be removed from.credit its being reported multipy times wich is a vilation on my right. It's also incorrent says by balance was about XXXX we had a agreeded amount in the sum of XXXX my reports says write off was almost XXXX that's completey incorrect. And also the accout was not refinanced. This account was from XXXX one main agreed to a certain amount of they wanted more they could agreed to that. This account was also effected my XXXX XXXX wich was also a natural diaster

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( e ) ( b ). 

And according to XXXX USC XXXX 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX USC XXXX they are suppose to 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 2025-05-03 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: MD

Complaint narrative:
I am reaching out to request the removal of incorrect addresses from my credit report. The information being reported is inaccurate, and I have included the necessary documents to facilitate this correction. Please process this request promptly and ensure that these addresses are removed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: FL

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 XXXX 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 XXXX  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 explanation
Consumer complaint received 2025-05-03 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: SC

Complaint narrative:
I am writing to formally file a complaint against the credit reporting agencies for their repeated failure to process and investigate the disputes I have submitted over the past four months, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. Since XXXX, I have mailed multiple dispute letters to the credit bureaus regarding inaccurate and unverifiable information appearing on my credit report. Information such as personal information ( addresses and employment ) and a numerous amount of account are unverifiable. Despite providing all required identification and supporting documentation, I have not received a proper response. Instead, the credit bureaus have falsely claimed that the disputes were submitted by a third party and have therefore refused to process them. Let me be absolutely clear : every letter submitted was prepared and mailed by me personally, the rightful and verified owner of the credit file in question. No third party or credit repair organization has been used. These dismissals are not only unfounded, but they also constitute a willful failure to comply with FCRA obligations, which mandate that credit bureaus must investigate disputes initiated by consumers and correct or delete inaccurate or unverifiable information. As a result of their inaction, inaccurate and damaging information remains on my credit report, negatively impacting my ability to secure housinga basic and critical need, as I intend to apply for a mortgage this year. The continued reporting of false information constitutes harm and ongoing financial injury. I am demanding immediate investigation and removal of the accounts and items listed in my dispute letters due to their inaccurate reporting. Under the FCRA, I have the legal right to a credit report that is 100 % accurate and the right to challenge and remove any information that is incorrect, outdated, or unverifiable. If the credit bureaus continue to ignore my dispute letters or fail to take corrective action, Under FCRA 616 and 617 I have the right to sue. I am prepared to pursue legal remedies, including filing a complaint with the Federal Trade Commission ( FTC ), state attorney generals office, and pursuing a private right of action under the FCRA, which provides for statutory damages, attorneys fees, and punitive damages in cases of willful noncompliance. I respectfully request the CFPB 's urgent assistance in ensuring that the credit reporting agencies fulfill their legal obligations under the FCRA and process my disputes properly and without further delay.

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 2025-05-03 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-03 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report regarding the above-referenced collection account. Upon reviewing reports from all three major credit bureaus, I noticed that the closing date for this account " XXXX XXXX '' is inconsistently reported among them. 



This discrepancy constitutes inaccurate and misleading information under the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies ensure all data furnished in a consumer 's file is complete and accurate. The conflicting dates may negatively impact credit scoring models and unfairly harm my creditworthiness.

I request that you conduct a thorough reinvestigation and please remove any inaccurate or inconsistent information. I am also requesting written confirmation of the results of your investigation and an updated copy of my credit report. 

Attached are copies of my identification and documents supporting my dispute. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX Enclosures : Copy of Government-issued ID Supporting Credit Reports Showing Discrepancies

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report regarding the above-referenced collection account. Upon reviewing reports from all three major credit bureaus, I noticed that the closing date for this account " XXXX XXXX '' is inconsistently reported among them. 



This discrepancy constitutes inaccurate and misleading information under the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies ensure all data furnished in a consumer 's file is complete and accurate. The conflicting dates may negatively impact credit scoring models and unfairly harm my creditworthiness.

I request that you conduct a thorough reinvestigation and please remove any inaccurate or inconsistent information. I am also requesting written confirmation of the results of your investigation and an updated copy of my credit report. 

Attached are copies of my identification and documents supporting my dispute. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX Enclosures : Copy of Government-issued ID Supporting Credit Reports Showing Discrepancies

Company response to consumer: Closed with explanation